Investing in property with buy-to-let mortgages
Residential property can still be a lucrative way to increase your wealth. It is essential you get the right advice when planning a property portfolio, and our experienced lending advisers are here to help.
Bespoke lending service
We work closely with clients to maximise their investment potential
Buy-to-let mortgages are a popular option for purchasing residential property as part of an investment strategy. These specialised mortgages allow investors to purchase properties with the intent of renting them out for a steady income stream.
Our personalised and flexible approach to private lending means we can work closely with our high net-worth clients to leverage their financial resources and often secure more favourable mortgage terms, including lower interest rates and higher loan-to-value ratios. This enables them to acquire multiple properties and diversify their investment portfolios while capitalising on the rental market’s potential for long-term growth.
Do you have buy-to-let dreams?
Get in touch for more information. Call +44 (0)207 002 3600 or email [email protected]
Bespoke lending
Helping you invest in buy-to-let
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A personal approach
We offer access to a dedicated private banker, as well as lending specialists, which means a deeper understanding of your financial situation and goals. We have experience of working with those who may not fit the criteria of many high street lenders, such as those who have less traditional income streams. For clients who are asset-rich but cash-poor, borrowing can be secured against a range of investments as well as UK property.
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Quick and competitive
We have the autonomy to make quick decisions, allowing you to move quickly. Our competitive interest rates and fee structures can meet your immediate needs as well as supporting your longer-term wealth goals. And you can access our wider wealth planning service alongside your lending arrangements.
-
A personal approach
We offer access to a dedicated private banker, as well as lending specialists, which means a deeper understanding of your financial situation and goals. We have experience of working with those who may not fit the criteria of many high street lenders, such as those who have less traditional income streams. For clients who are asset-rich but cash-poor, borrowing can be secured against a range of investments as well as UK property.
-
Quick and competitive
We have the autonomy to make quick decisions, allowing you to move quickly. Our competitive interest rates and fee structures can meet your immediate needs as well as supporting your longer-term wealth goals. And you can access our wider wealth planning service alongside your lending arrangements.
Benefits of buy-to-let
Why you could consider property investment
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Rental income
One of the main benefits of buy-to-let is the potential to generate a steady rental income. The rental payments from tenants can help cover the mortgage repayments and other expenses, making it a potentially profitable investment.
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Property appreciation
Historically, properties have shown the potential for long-term appreciation in value. By holding onto the property, investors may benefit from capital appreciation over time.
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Portfolio diversification
A buy-to-let property can provide diversification to your investment portfolio. Property investments can have different risk and return profiles, offering a hedge against market fluctuations.
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Retirement planning
Once the buy-to-let mortgage is paid off, the rental income can serve as a source of income during retirement or be reinvested.
Frequently asked questions
Nedbank Private Wealth
Do you only assess rental income?
Do you lend to House of Multiple Occupancy properties?
What is your maximum loan-to-value for buy-to-lets?
Do you lend to Trusts or Special Purpose Vehicles?
What additional information do you need from Trusts / SPVs?
Property eligibility
Important information you need to know
The property
- First legal charge only.
- Purchase or re-mortgage of, or further advance against, a primary residence, second home, or buy-to-let.
- Residential property must be habitable and occupied by the client and/or a close relative.
- Investment property must be habitable, or let out on an acceptable tenancy.
- No houses of multiple occupancy (HMOs) accepted.
- No working farms, no short-leasehold (up to 80 years), no high rise, no development finance for new-builds or otherwise non-standard or higher risk properties.
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Corporate social responsibility
Recognising the impact and taking action
We support projects that help reduce the impact we have on our local and global environment. We work closely with local charities to help improve the communities in which we operate and, more broadly, we partner with Ecologi to offset more than our collective carbon footprint puts back into the environment.
Related case studies
Read about more clients we have helped
We have helped countless high net worth clients with their financial needs – some straightforward, some complex. Our bespoke approach, where we really get to know our high net worth clients, allows us to offer solutions that other wealth planners and private banks aren’t able to.
Long-term support via borrowing
Leveraging the family relationships
Two weeks to snap up prime land
Get in touch
Get in touch for more information. Call +44 (0)207 002 3600 or email [email protected]
OUR TEAM
Meet our team of dedicated professionals
Our teams are highly skilled and will help to understand your needs, giving you access to proactive help and efficiency through a single point of contact.
Find out more about our teams in the UK, Isle of Man, Jersey and Dubai here
Frequently asked questions