Information for mortgage brokers

Please note this information is only intended for use by regulated finance brokers, who are authorised to provide mortgage advice.

How we help

We are part of a global financial services company and we have our own low-geared balance sheet*. 

Lending since 1987, we make consistent, long-term decisions. We provide borrowers and brokers with uninterrupted support, even during difficult economic times.

In the UK, we are authorised by the Financial Conduct Authority as a mortgage provider. Our FCA registration number is 313189.

* Please see our 2021 Financial Statement for details.

We appreciate that property is more than a financial transaction and see lending as a blend of art and science. We don’t adopt a tick box approach and don’t review a client’s credit scores per se. Instead, we look at the client’s entire finances.


Our approach is in the best interests of your clients – we are not just reviewing the collateral offered. We can also look at their investments and can help a client use Lombard lending, as well as borrowing against property, which could lead to better client outcomes over the long term.

We offer competitive interest rates and fee structures that depend on the nature of the transaction and risks involved in the financing.


An arrangement fee is also payable on acceptance of any offer of mortgage we make to your clients. This fee depends on all the circumstances of the case, including any fee sharing arrangements. A typical arrangement fee would be 1% of the amount of the mortgage facility, with up to half of this paid to your firm as a retrocession. Any fees relating to a particular mortgage will be set out clearly for you and your clients.

It is important that borrowers consider the longer-term impact this has on their finances. For example, some may be borrowing to help the next generation onto the property ladder and need to understand how circumstances might dilute their efforts, and how they can mitigate the risks.

We provide holistic support for your clients that goes above and beyond the typical approach and explores various ‘what if’ scenarios.

You can download our customer information sheet on the link provided.

It is important to note that your clients’ properties may be repossessed if they are unable to keep up repayments on their mortgages.

Based on client conversations

Major life events

Can the bank of Mum and Dad work long term?

13 Apr

   |   3 mins

While parents and grandparents have been property lenders for many years, the recent rise in mortgage rates and the cost of living crisis have led to far more help for the next generation. But does this support have long-term, unforeseen ramifications?

Money management

This is not just lending. This is bespoke lending.

16 Mar

   |   3 mins

For high-net-worth clients with more complex borrowing needs, Chiraag Patel explains how private banks can offer a more tailored lending solution.

Money management

Seize the moment with Lombard loans

31 Jan

   |   6 mins

Sometimes an investment opportunity arises that’s simply too good to miss. By borrowing against your liquid financial assets, Lombard loans offer the flexibility to diversify your portfolio when needed, without having to sell any of your existing assets or investments or disrupt your long-term plans.

Money management

What’s happening in London's residential property market?

31 Mar

   |   7 mins

Many events affect the demand and supply of the capital’s property, and therefore valuations. But what is currently impacting London's residential property market? What should buyers (and sellers) be aware of?

Meet our lending specialists

Chiraag Patel

Chiraag Patel

Chiraag joined the team in 2021 with responsibility for Nedbank Private Wealth’s lending proposition in the UK. His primary role is to support clients’ borrowing requirements, as well as help clients who have been introduced by mortgage brokers and other property intermediaries.


With 18 years’ experience as an adviser in the property teams of financial services firms, with an emphasis on serving the high net worth market, Chiraag’s previous roles include time as a credit specialist at Santander Private Banking and Barclays.


He holds a Certificate in Mortgage Advice and Practice (CeMAP) and graduated from the Queen Mary University of London with a BSc (Hons).

Andrew Bates

Andrew Bates

Andrew has over 27 years’ banking experience and joined us from Lloyds TSB in Miami where he was responsible for providing banking and investment services to clients in Latin America and the Caribbean. He initially joined the bank’s Isle of Man office in 2004, and following secondments in the South Africa and London offices, he moved to the UAE in 2013.


Based in Dubai, Andrew is primarily responsible for the bank's international growth in both the private client and intermediary sectors in the Middle East. He is a Chartered Member of the Chartered Institute for Securities & Investment and recently graduated from the London Business School with an Executive MBA. Andrew also has full STEP membership, qualifying him as a Trust and Estate Practitioner.

David Haynes

David Haynes

David has over 30 years’ experience in the financial services sector. He joined the Jersey office from the Royal Bank of Scotland International in 2000.


Specialising in lending, David works closely with the private bankers in Jersey to develop appropriate lending solutions for their clients. He also looks after his own portfolio of high-net-worth individuals, advising on all aspects of their wealth.


David is an Associate of the Chartered Institute for Securities & Investment.

Martin Ibanez

Martin Ibanez

Having joined the bank in its first year of establishment, Martin is one of our longest-serving members of staff and worked predominantly in our treasury operation before moving to the private banking team in 2004.


Martin is the relationship manager for a number of high-net-worth clients, delivering high quality service covering all aspects of their wealth management requirements, including lending, foreign exchange, and investment solutions.


Martin is a member of the London Institute of Banking and Finance.

Get in touch

If you are interested in becoming a client, please complete the form via the ‘become a client’ button below. Alternatively, if you are already a client, or if you have a question about how we help clients in particular circumstances, please use the ‘contact us’ button.

We will get back to you as soon as we can during office hours, which are Monday to Friday, 8am to 8pm (UK time), except for UK public holidays.

Become a Client

Thank you for your interest in Nedbank Private Wealth. Please call us on +44 (0)1624 645000 or complete the requested information and one of our team will get back to you soon. We look forward to speaking with you.  Please note: If you are an EU resident, we are unfortunately unable to offer our services to you at present.

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Contact Us

Please call us today on +44 (0)1624 645000. Our office hours are weekdays from 8am to 8pm (UK time), except for UK public holidays.


Or please complete and submit the below form and one of the team will get back to you as requested.

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