Bespoke lending services to suit your needs

At Nedbank Private Wealth, our lending advisers have the flexibility to offer lending solutions that can be tailored to your individual circumstances, not just how well you fit a prescribed set of criteria.

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Distinctly different approach

Each of our loans is reviewed individually to provide the most suitable solution

Your application will be judged on its individual merits, and consideration is given to your wealth as a whole.

We have experience of working with those who may not fit the criteria of many high street lenders and our competitive interest rates and fee structures are decided on an individual basis. Borrowing can be secured against a range of investments as well as UK property.

We lend to private clients around the world, often with complex financial affairs and we often help expat and foreign national clients who are choosing to move to or invest in the UK.

Borrowing options

There are a range of products available to suit your needs including:

  • Interest-only mortgages

    Pay the loan interest while using investments or other assets you have to pay off the total amount borrowed at the end of the term.

    Useful if you want lower monthly payments or you can repay the debt faster.

  • Guarantor mortgages

    The steady rise in property prices means that many need the help of family to get on the property ladder.

    We not only work with families seeking this support, but our advisers also ensure that the guarantors have the right private wealth planning in place to protect their future finances and their investment in the next generations.

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

How are your rates decided?

Rates are decided on an individual basis depending on the size of the loan, loan term, and how long you have been a client.

How long are offers valid for?

Offers are valid for three months.

What's the maximum age you will lend to?

Clients can borrow from us up to the age of 80.

Do I need to have investments with you to borrow?

We don't ask for investments to be transferred to us as a condition of lending unless the loan is secured against those investments.
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, Guernsey, 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.
Visit our Lending interest rates page View Mortgage lending solutions View Overdrafts factsheet
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What is bespoke lending?

Through the flexibility of bespoke lending we can provide a tailored lending solution to meet the varied needs and circumstances of our clients.

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Read more about the range of services you can choose from

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 a 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 survey
  • 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.

Do you have any questions?

We’re here to help. 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

Do you finance homes of multiple occupancy?

No, we are unable to offer finance in those situations.

Do you lend in multiple currencies?

Yes, we lend in GBP, USD or EUR

Do you lend to corporate structures?

Yes, we lend to corporate structures registered in the UK, Isle of Man, Jersey, BVI and Mauritius (subject to meeting certain criteria)

Do you offer equity release on investments?

Yes, where they are held on, or transferred to, our platform.