Nedbank Private Wealth mortgages vs high street mortgage lenders

Nedbank Private Wealth provides bespoke residential and investment property lending, including mortgages for:

• UK residential properties (primary residence, second home)
• Buy-to-let investment properties
• Re-mortgages and further advances
• Expat and international client mortgages secured on UK property 

It lends on UK property and allows financing of buy-to-let and other residential property purposes.

Aaron Strutt, product director at Trinity Financial, says: "There is a lot of competition in the UK mortgage market to attract high-net-worth clients in various financial situations buying all types of properties. Fixed-rate mortgages are now available below 4% with low arrangement fees, so it makes sense to assess the market before taking out a mortgage. More banks and building societies also do not need assets under management or funds to be transferred to them as part of a mortgage transaction." 

Nedbank's mortgage and lending criteria

Nedbank Private Wealth doesn’t publish a simple checklist like a high-street bank — instead, they use a bespoke, case-by-case approach for applicants. Key points from their criteria: 

Property eligibility

• First legal charge only
• Purchase, re-mortgage or further advance against UK property
• Residential property must be habitable/occupied by the client or a close relative
• Investment property must be habitable and let on an acceptable tenancy
• No Houses of Multiple Occupancy (HMOs)

Mortgage loan sizes and structure

• Typical loan sizes start around £500,000+ (can be larger on case-by-case basis)
• Maximum Loan to Value (LTV): ~75% depending on circumstances
• Buy-to-let LTV: ~65% for personal, ~60% for corporate (higher possible)

Maximum age and mortgage term

• Clients can borrow up to age 80 (loan term or maturity requirement)

Does Nedbank typically offer fixed- or tracker-rate mortgages?

Nedbank typically offers trackers priced above the Bank of England base rate when buying a UK property.

Currencies and structures

• Lending in GBP, USD or EUR
• May lend to corporate structures, trusts, SPVs (with extra documentation like personal guarantees)

Types of clients Nedbank wants to attract

Nedbank Private Wealth targets high-net-worth and complex clients:

• Individuals with substantial assets or investment portfolios
• People with international finances or multiple residencies
• Expatriates or foreign nationals owning UK property
• Clients requiring bespoke financial planning + lending solutions

Unlike mainstream lenders with strict income and documentation requirements, Nedbank’s private banking model assesses applications primarily on overall wealth and long-term relationship potential.

Do clients have to be British to qualify with Nedbank?

No — nationality is not a strict requirement. They work with clients from all over the world, including:

• UK residents
• Expat & internationally mobile clients
• Foreign nationals looking to buy or remortgage UK property
• Australian and US nationals borrowing against UK property are often accepted.

Why would someone use Nedbank Private Wealth?

Here’s why high-net-worth or complex borrowers choose them:

Bespoke lending & flexibility: Rather than “tick-box” criteria, deals are structured around the applicant's entire financial picture, including investment assets.

International expertise and good for clients who:

• Live abroad
• Want financing in multiple currencies
• Own property in or outside the UK

Private banking integration

Mortgages can be part of a wider wealth plan, including investment management and foreign exchange services.

Quicker/less conventional underwriting

Their private lending experience allows faster decisions and more creative structuring than many high-street lenders, which is valuable for time-sensitive property deals. However, many lenders can issue fast mortgage offers and bridging loans.

Summary: Key Differences from Typical UK Mortgage Lenders

Feature	Nedbank Private Wealth
Mortgage criteria	Bespoke, holistic underwriting
Client focus	HNW individuals, complex profiles
Nationality	Not UK-only
Minimum income/asset thresholds	Not publicly fixed; wealth-oriented
Standard high-street products	No, bespoke deals

 

Lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances. Our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7016 0790 to secure a fixed-rate mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage