Borrowing

With bespoke lending solutions, you can borrow by securing against a range of investments or UK property – giving you the flexibility you need, while supporting your long-term financial goals

A distinctly different approach

With bespoke lending solutions, we act quickly to help you against a range of investments or UK property – giving you the flexibility you need and supporting your long-term financial goals.

Each loan is reviewed individually to provide the most suitable solution for you in the short, medium and long term.

Our approach allows you to borrow against your own UK-based residence, second home or buy-to-let property, with fixed term and interest-only mortgages available. Or you can borrow against your international investments holdings. Loans can be in Sterling, Euros or US Dollars.

Our services

Our mortgages can fund the purchase or renovation of your principal residence, a holiday home or an investment property. You can also access our lending services to remortgage homes you already own.

Clients can borrow from Nedbank Private Wealth up to the age of 80, with rates decided on an individual basis depending on the size of the loan relative to the value of the property, the loan term and how long you have been a client.

Please note that we do not finance houses of multiple occupancy, and we do not ask for investments to be transferred to us as a condition of lending.

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

Offering competitive interest rates and fee structures that benefit on our relationship with you, we use our balance sheet to make consistent decisions over the long term, and provide support even during difficult economic times. Loans can be in sterling, euros or US dollars and can be secured in your name, or via a company or trust.

For information regarding overdrafts, please click here.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Over 18s only. Credit is subject to status and approval.

Access relevant articles and insights

Case study

Two weeks to snap up prime land

A couple with an extensive personal relationship with the bank, as well as business ties, sought to snap up a plot of land in a private land sale, with the seller giving us just two weeks to complete.

Case study

Leveraging family relationships

When a young couple found that their plans to buy a home extended their finances too far, we worked with the family to secure a solution that everyone was happy to proceed with.

Case study

Long term support via borrowing

A client of ours was keen to renew her interest-only mortgage, but a conversation with her private banker led to a different solution that helped her broader finances too.

Support for mortgage brokers

Part of a global financial services company, with our own low-geared balance sheet, we have made consistent, long-term lending decisions since 1987. We provide mortgage brokers and their clients with uninterrupted support, tailoring the loan according to the profile of the client, loan terms and security, even during difficult economic times.

Clients benefit from our low-geared balance sheet and long-term view, as well as a broader discussion of their finances. Our award-winning wealth management services enable many clients to take advantage of investment backed lending or allow borrowing without the condition of investments being transferred to us.

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

Please contact [email protected] for more information on our full suite of services and our loan terms.

Nedbank Private Wealth Limited is licensed by the Financial Conduct Authority to provide regulated mortgages in the UK. If your client fails to keep up loan repayments, the home or the assets used to secure the loan may be at risk. Borrowers have to meet certain criteria before we will lend.

Our in-house lending team is:

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).

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Bruce Radbourne

Bruce joined the team in July 2022 with responsibility for Nedbank Private Wealth’s lending proposition in the UK. His role includes support for clients’ borrowing requirements, as well as assisting clients who have been introduced to the boutique wealth manager by mortgage brokers and other property intermediaries.

With over 20 years in banking and eight years as a lending specialist for financial services firms, Bruce’s previous roles include working as an individual banking manager for Handelsbanken and as a senior lending officer at Ahli United Bank, focusing on private client relationships and the mortgage intermediary market.

He holds a Certificate in Mortgage Advice and Practice (CeMAP).

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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.

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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.

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Chiraag Patel

Senior Credit Specialist

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Biography

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).

Authored articles

Bruce Radbourne

Credit Specialist

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Biography

Bruce joined the team in July 2022 with responsibility for Nedbank Private Wealth’s lending proposition in the UK. His role includes support for clients’ borrowing requirements, as well as assisting clients who have been introduced to the boutique wealth manager by mortgage brokers and other property intermediaries.

With over 20 years in banking and eight years as a lending specialist for financial services firms, Bruce’s previous roles include working as an individual banking manager for Handelsbanken and as a senior lending officer at Ahli United Bank, focusing on private client relationships and the mortgage intermediary market.

He holds a Certificate in Mortgage Advice and Practice (CeMAP).

David Haynes

Senior Private Banker

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Biography

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

Private Banker

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Biography

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.

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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