A bespoke service – internationally

We have extensive experience in providing lending solutions to clients around the world, often high net worth individuals with complex financial affairs. Our international expertise can help expat and foreign national clients who are choosing to move to or invest in the UK.

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International living understood

We work with clients around the world to grow their property portfolio

Our bespoke approach to lending gives you the flexibility you need and supports your long-term financial goals.

Each loan is reviewed individually by our expert mortgage advisers to provide the most suitable solution for you in the short, medium, and long term – no matter where in the world you live, work, or invest.

Our approach allows you to borrow against a residential or investment property located in the UK, Jersey, or the Isle of Man. This can be a second home or buy-to-let property, with fixed term and interest-only mortgages available. Or you can borrow against your international holdings. Loans can be in Sterling, Euros or US Dollars.

Buying in the UK

If you live or work abroad, you may want to get on the UK property ladder.

  • What is an Expat mortgage?

    Expat mortgages are for people who no longer live in the UK, or who have recently moved back after spending an extended amount of time living in a different country.

  • Helping you through the process

    A lack of UK credit history and a foreign currency salary could mean lenders classify you as high risk and they won’t offer you a mortgage. We have extensive experience in helping people just like you buy property in the UK, and our experienced advisers can guide you through the full process.

Meet the team

Lending specialists to help you at every stage

  • Chiraag Patel - Senior Credit Specialist

    A senior-level expert with over 18 years’ experience advising high net worth clients on property finance. Chiraag holds a Certificate in Mortgage Advice and Practice.

    Click here to view Chiraag’s profile.

  • Bruce Radbourne - Credit Specialist

    Extensive experience as a lending specialist with a focus on private client relationships and the mortgage intermediary market.

    Click here to view Bruce’s profile.

Frequently asked questions

Nedbank Private Wealth

Can you help both UK and internationally mobile expats?

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

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 I borrow against a property in another country?

We will only finance against properties in the UK, Jersey, or Isle of Man. However, you can release equity from a UK property to purchase overseas.

Are loans only in sterling?

No – we lend in Sterling, Euros or US Dollars
Property eligibility

Important information 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 or investment property located in the UK, Jersey, or the Isle of Man.
  • 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 ana case-by-case basis.

Applications and enquiries outside of the above criteria may be considered on a case-by-case basis.

Loan terms and charges

About our loans

  • Fixed Rates: Loan size £500,000 to £5,000,000
  • Floating Trackers: Loan Size £500,000 to £10,000,000
  • Larger Loans may be available on request and priced on a case-by-case basis
  • Fixed rate – only available on an interest only basis
  • Arrangement fee 0.5% of the loan
  • Maximum loan to value: 75% (dependent of property value, property use, structurestructure, and location)
  • Early repayment charges apply to fixed rate loans
  • Applicant pays for the valuation instructed by Nedbank Private Wealth. They may pay an additional sum for a homebuyer or full surveysurvey.
  • Applicant pays the solicitor’s fee. For properties valued below £2m, Nedbank Private Wealth can use the applicant’s solicitors, if appropriate.

Applications / enquiries over £10m will be considered on an individual basis.

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 high net worth clients, allows us to offer solutions that other wealth planners and private banks aren’t able to.

Looking to move to the UK?

Call us today on +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

Are there any property types you won't lend against?

Working farms or short leasehold properties less than 80 years at the end of the mortgage term.

Do you lend for properties in different areas?

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

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

What is the maximum loan-to-value for a residential mortgage?

Typically, 75% for repayment mortgages and 65% for interest-only, subject to affordability. However, all cases are assessed by our expert advisers on a case-by-case basis.