Investec Private Bank : Investec Private Bank

By going beyond the ‘tick box’ approach

Understanding that you need flexibility to achieve success. You want problem solvers, not product-sellers.

By going beyond the ‘tick box’ approach

When you need capital, we don’t just ask how much money you have in the bank. That’s not how successful people define themselves. We consider your character and your track record, not just your financial assets.

Find out how our bankers have accommodated client’s unique requirements in order to help them achieve success, below:

"He could easily have become a passenger in his own company."

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Chris Duck

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Chris Duck

We’re about funding passions. That could be a business. It could be a home. Or, in some cases, it could be a car.

A client of mine founded a construction company. He’s built it up and now he’s ready to exit. Time for a management buy-out.

He’s already looking at what comes next but it’s also time to enjoy the rewards of his success. There’s one thing in particular he has his eye on: 1.3 tonnes of 1970s Italian engineering.

Out of the blue, the management buy-out falls through. The company changes tack and decides to self-fund. My client accepts an incremental payout instead of a lump sum.

It’s the right call for the business, but the car is left in the lurch. My client has just two weeks to secure the opportunity of a lifetime. That’s where we come in.

Closing this sale is going to take a loan as unique as the car – vehicles like this don’t come along every day and the clock is ticking. We get to work: 14 days to go.

It comes down to the wire, but we hit the deadline and my client completes the purchase. Success.

From 0 to £500,000 in 2 weeks flat. Not bad.

Investec Private Bank

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Anek Mhajan

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Anek Mhajan

A client of mine works in property, his wife’s an entrepreneur. They’re young, ambitious and they want to buy a family home south of London.

They find their ideal property. But there’s another interested party and the seller has just one rule: the house will go to whoever can exchange contracts first.

The other buyer has been working on this for months. Pretty ordinary for a mortgage. For my client to catch up he’s going to need more than ‘ordinary’.

It’s the evening of Tuesday the 26th of February, and he gets in touch with Investec. If he wants the house, he’s got just seven days. And he wants this house.

Wednesday morning, 9am. Our work really starts. The client’s prepped already – he’s not letting a missing document stop him. Now it’s down to us.

The loan’s approved by credit on Friday afternoon, the property is valued over the weekend. 72 hours left.

On Wednesday, the legals are finalised. The offer’s in and contracts are exchanged on the spot.

Just 20 minutes separate my client from the other buyer. Success and failure, separated by the time it takes to finish a coffee.

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Jonathan Wynn

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Jonathan Wynn

A client of mine has built an airline. In the past eight years, he’s taken his private jet company from the brink of bankruptcy to €100 million in revenue.

That was just chapter one. He has big plans for the future; he wants to take the firm public and continue to build his fleet (planes don’t come cheap). There’s just one number in the way.

45.9%. His stake in the business. Without a majority, he could easily have become a passenger in his own company.

On paper, the answer is simple: just buy a controlling share. If only it were that easy. Turns out some people are still skittish about private aviation after the 2008 financial crisis. Elephants never forget.

At Investec, we knew we could help. From private capital to public offering, we saw how our expertise could play a part in his journey.

More than 10% later, and he is now in control of his business. No ifs, no buts. Time to start on chapter two.

Investec Private Bank

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SHOW ME HOW INVESTEC PRIVATE BANK HAS HELPED CLIENTS:

By taking a holistic view

Lending against your character, ambitions and track record, not just financial status.

By taking a holistic view

We consider a holistic view of your financial world to help you achieve your version of success. So, your income, financial assets, reputation and track record are all considered.

Find out how our bankers have taken a holistic view in order to help their clients achieve success, below:

"It was no ordinary lending deal. But entrepreneurs are no ordinary homeowners."

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Pooja Naidoo

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Pooja Naidoo

What strikes me about international clients is they don’t let borders stop them. They have a nose for a deal and if that means getting out their passport, then so be it.

One client of mine works in property. While his portfolio is mostly overseas, he has his eye on entering the London market. It’s a tempting opportunity: a new city, ripe for investing.

Now, my client doesn’t do things by halves. He’s done the research and he knows where he wants to invest. The pieces are falling into place.

Then, his UK bank closes. It’s a spanner in the works for his investment plans. He comes to us.

The client has big plans for his portfolio, he knows what’s worked for him in the past and what he’s after in the UK market. Our role is simple; help him turn those plans into results.

12 deals later and we’re just getting started. Those first few have been a success, but no one’s resting on their laurels. On to the next one.

These days, borders don’t hold our clients back. Banks shouldn’t either.

Investec Private Bank

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Quinton Naidoo

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Quinton Naidoo

I have a client who is a managing director for a major consulting firm. Where her career has gone, success has followed.

She’s also renting her ideal home in central London. For now. The flat she’s renting is on the market and she wants to buy it.

Management consultants can have complex earnings. Their base salary will be strong, but a major chunk of their remuneration is tied up in bonuses and deferred equity. Apparently, that can make it hard to get a mortgage.

In this case, my client’s base salary in isolation couldn’t support the loan. But she’s no quitter. So before giving up on the purchase she comes in to talk to us.

Our approach to the mortgage was simple: we looked at the whole picture of my client’s life, not just her base salary. “Isolation” isn’t in our vocabulary.

Turns out, my client also has an additional Buy-To-Let property. Who knew? We take another look at the deal and find a bespoke loan which takes the client’s full earnings and assets into account.

Sure, we all miss the bigger picture sometimes. But at times like this, a little perspective can make a world of difference.

Investec Private Bank

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Eileen Redmond-Macken

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Eileen Redmond-Macken

Saying goodbye to a paycheck. It’s a moment every business founder goes through. Yes, they might take a token salary, but their personal worth is tied up in their company. They succeed when their business succeeds.

A client of ours co-founded and runs a watch company. He’s also looking for a new home for his family in a fast-changing housing market.

While some home buyers are feeling skittish, our client sees an opening. He’s found the right property at the right price, but he needs to move quickly. Opportunity doesn’t linger.

There’s one snag. His current home’s on the market, but it won’t sell in time to finance the new purchase. He comes to Investec Private Bank.

Securing the property isn’t going to be easy. It takes a bridging loan charged over the existing home and two other properties. To justify the loan size, we looked beyond salary, at our client’s share in the business, its estimated value and recent performance.

This was certainly no ordinary lending deal. But entrepreneurs are no ordinary homeowners. For my client, the sale is completed within a few weeks. This is one opportunity that didn’t get away.

You could say it ran like clockwork.

Investec Private Bank

For lives that won't wait,

Get in touch today

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By showing commitment

Valuing long-term partnerships, with a vested interest in your long-term success.

By showing commitment

Before we lend, we don’t ask that all your assets are in our bank. We lend against your experience, ambitions and your, as well as your financial status. We know you don’t define success by the money you have in the bank, but by how much further you can go.

Find out how our bankers have taken a long-term view in order to help their clients achieve success, below:

"They’ve lost faith in the deal and want to repossess the property. The developer’s equity hangs in the balance."

SEE OUR CLIENT SUCCESS STORIES

back

Pooja Naidoo

Explore

Pooja Naidoo

What strikes me about international clients is they don’t let borders stop them. They have a nose for a deal and if that means getting out their passport, then so be it.

One client of mine works in property. While his portfolio is mostly overseas, he has his eye on entering the London market. It’s a tempting opportunity: a new city, ripe for investing.

Now, my client doesn’t do things by halves. He’s done the research and he knows where he wants to invest. The pieces are falling into place.

Then, his UK bank closes. It’s a spanner in the works for his investment plans. He comes to us.

The client has big plans for his portfolio, he knows what’s worked for him in the past and what he’s after in the UK market. Our role is simple; help him turn those plans into results.

12 deals later and we’re just getting started. Those first few have been a success, but no one’s resting on their laurels. On to the next one.

These days, borders don’t hold our clients back. Banks shouldn’t either.

Investec Private Bank

For lives that won't wait,

Get in touch today

Explore more client stories

Chris Duck

Explore

Chris Duck

We’re about funding passions. That could be a business. It could be a home. Or, in some cases, it could be a car.

A client of mine founded a construction company. He’s built it up and now he’s ready to exit. Time for a management buy-out.

He’s already looking at what comes next but it’s also time to enjoy the rewards of his success. There’s one thing in particular he has his eye on: 1.3 tonnes of 1970s Italian engineering.

Out of the blue, the management buy-out falls through. The company changes tack and decides to self-fund. My client accepts an incremental payout instead of a lump sum.

It’s the right call for the business, but the car is left in the lurch. My client has just two weeks to secure the opportunity of a lifetime. That’s where we come in.

Closing this sale is going to take a loan as unique as the car – vehicles like this don’t come along every day and the clock is ticking. We get to work: 14 days to go.

It comes down to the wire, but we hit the deadline and my client completes the purchase. Success.

From 0 to £500,000 in 2 weeks flat. Not bad.

Investec Private Bank

For lives that won't wait,

Get in touch today

Explore more client stories

Mickey Nurtman

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Mickey Nurtman

How do you succeed when the market shifts? For the property developers I work with, this isn’t an academic question, it’s how their careers are made.

One client of mine found themselves in just this position. It started simply enough: they had secured senior debt from a lender against a property they wanted to develop. My team at Investec were also involved, providing mezzanine financing for the deal.

Smooth sailing so far.

Then the market turns and the senior lender gets cold feet. They’ve lost faith in the deal and want to repossess the property. The developer’s equity hangs in the balance.

Here at Investec, we like to think we don’t scare easily. We back the client’s vision, so we buy out the senior debt.

For the developer, they can now do what they do best: focus on redeveloping and re-letting the property, and bide their time for a profitable sale.

In property, it’s easy to follow the herd, especially when the market shifts. It takes nerves of steel to succeed. We wouldn’t have it any other way.

Investec Private Bank

For lives that won't wait,

Get in touch today

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By thinking. Fast.

Knowing you don’t have time to waste. You need quick thinkers who are decisive and frank.

By thinking. Fast.

Most successful people are quick thinkers, it’s a mindset we share. They want to achieve success not only through the money they have in the bank, but by their enthusiasm for living and working on their terms.

Find out how our bankers have used quick thinking to help their clients achieve success, below:

"The seller has one rule: the house will go to whoever can exchange contracts first."

SEE OUR CLIENT SUCCESS STORIES

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Martyn Smith

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Martyn Smith

For a lot of my clients, their professional lives don’t end at the UK’s border. They’ll earn in international currencies, own international property, lead international lives.

A client of mine is a partner for a Private Equity house. She’s made a career out of spotting and funding success.

That career has taken her around the world and, like many industries, a career in private equity comes with its own complications. Based in London, my client has property around the world and earns in pounds, dollars and euros.

Even the best-oiled machine will struggle if a few grains of sand get in. For my client, success means leading a frictionless life. That’s where we help.

Here at Investec, we have a lot of experience working with Private Equity professionals. We know their world well and my team are dealing a lot with them.

But this case goes deeper. My client’s global life demands banking that doesn’t just keep up but helps her stay ahead. That means making payments internationally and hedging currency, along with day-to-day banking, to make life as frictionless as possible.

Sometimes keeping the engine ticking over is the most valuable service we can offer.