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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.

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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.

Bespoke lending

Helping you invest in buy-to-let

  • 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

  • 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.

  • 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.

  • 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.

  • 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?

While rental income is mandatory, we are able to take other income into consideration, e.g. earnings and other property income.

Do you lend to House of Multiple Occupancy properties?

No unfortunately we are unable to lend to HMOs.

What is your maximum loan-to-value for buy-to-lets?

Typically, 65% for personal borrowers and 60% for corporate structures, however, higher loan-to-values may be considered on a case-by-case basis.

Do you lend to Trusts or Special Purpose Vehicles?

Yes, we consider UK, Isle of Man, and Jersey Trust structures and SPVs based in the UK, BVI, Isle of Man, Jersey, and Mauritius.

What additional information do you need from Trusts / SPVs?

We will require a Personal Guarantee from the Ultimate Beneficial Owner (s) (UBO) and for overseas structures we will also require a Legal opinion for that jurisdiction.
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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Applicant requirements

Important information you need to know

The applicant

  • Must not have adverse account history or credit history prior to the date of application.
  • Must be a UK, Isle of Man, Guernsey, or Jersey resident or national (other than those residing in the EU/EEA). Residents/nationals from other jurisdictions may be considered on an case-by-case basis.
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 clients with their financial needs – some straightforward, some complex. Our bespoke approach, where we really get to know our clients, allows us to offer solutions that other wealth planners and private banks aren’t able to.

Get in touch

Get in touch for more information. Call +44 (0)207 002 3600 or email [email protected]

Find out more about our teams in the UK, Isle of Man, Jersey and Dubai here

Frequently asked questions

Nedbank Private Wealth

What types of mortgage interest rates do you offer?

We offer two types - fixed rate and floating variable rate tracker where the interest rate is linked to the Bank of England's Base Rate

Do you lend for properties in different areas?

Yes, the residential property must be located in the UK (excluding Northern Ireland), Isle of Man or Jersey.

Can I get a buy-to-let mortgage if I live abroad?

Yes, we can help expats living abroad with buy-to-let mortgages and can consider their income where they live, using the relevant tax codes for that location.

Can you help both UK and internationally mobile expats?

Yes, we can help both with residential and buy-to-let property purchases for expats.