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A well-balanced investment portfolio can include property investments

Investing in property can offer potential benefits and advantages, depending on your financial goals and circumstances.

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Investing in property?

There are various routes to property investment, from bricks and mortar to property shares

Including exposure to property in your investment portfolio can be reached in a number of ways.

Investing in ‘bricks and mortar’ through buying property can give you a regular income stream as well as capital growth over the medium to long term. But this type of investment is relatively ‘illiquid’, meaning you can’t always easily access your money at short notice. And the risks include market volatility, maintenance costs, and potential vacancies.

Another way to invest in property is to include Real Estate Investment Trusts (REITs) in your portfolio. These offer exposure to the property market without direct ownership.

Which option?

How to include property in your portfolio depends on your goals. We can help you decide

  • Real Estate Investment Trusts (REITs)

    REITs allow you to invest in property without owning physical assets. They provide exposure to real estate markets and offer dividends from rental income and capital gains.

  • Buy-to-let investment properties

    This involves purchasing a property with the intention of renting it out to tenants. Rental income can provide a steady cash flow, and property values may appreciate over time.

How we help

Speak to one of our property investment or credit specialists

We can help you tailor your investment strategy to align with your financial goals and provide expert advice before you commit to any property investment.

Before you make decisions on how to bring property into your portfolio, you should review your overall financial goals, with a bespoke wealth plan.

  • Investment advice

    Ask your private banker to bring one of our investment specialists into your next meeting. They can talk to you about property exposure in your portfolio.

  • Credit advice

    Our credit specialists can give you information about ‘bricks and mortar’ property markets and lending products available to suit your needs.

  • Start with a plan

    The foundation of reaching your financial goals is a wealth plan. Speak to your private banker if you don’t have one.

Frequently asked questions

Nedbank Private Wealth

Is property an asset class?

Yes property, either directly or indirectly, is an asset class

Can I gain exposure to property within my portfolio?

Yes, we have exposure as part of our Real Assets allocation. This includes infrastructure, commercial property, and social care homes.

Are REITs just UK or international?

Real Estate Investment Trusts are a common investment company structure internationally

How liquid are property investments?

Property investments are relatively illiquid, often taking a long time to realise, due to complex transactions and market conditions.
Property investing

Potential for attractive returns

Property investing offers many potential opportunities for generating attractive returns. These include the potential for capital appreciation and rental income, diversification in our portfolio, tangible assets, gearing opportunities, inflation protection, passive income, and long-term wealth building. However, it involves risks like market volatility and property management. Careful research and expert advice are vital.

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Overseas property investments

Geographical diversification using international property investments

Overseas property investment involves purchasing real estate in foreign countries. This type of investment involves a lot of research and knowledge of local laws.

Alternatively, you could consider overseas property exposure via international property funds, which are traded on stock exchanges just like REITs. These funds are managed by professional fund managers or investment firms and offer individuals an opportunity to diversify their real estate investment portfolios beyond their domestic markets. Ask your private banker for more information.

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.

Find out how we can help you

If you would like to know more about investing in property, get in touch

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

Frequently asked questions

Nedbank Private Wealth

Can you help with UK property investment?

Our experienced credit team can assist with UK property investment.

Can I own UK property if I don’t live in the UK?

Yes, you do not need to be a UK resident to own property in the UK.

What sorts of mortgages are available?

We offer capital repayment and interest-only mortgages. These can be floating tracker or fixed rates. Visit our Borrowing page for more information.

What is the maximum LTV for a loan?

Our maximum loan to value (LTV) is 75%