Season 15 Episode 17

Gaylin Matthews on structuring property finance for wealthy clients

12 November 2026 · 18:45 min

Property finance becomes far more complex when wealth spans businesses, investments, trusts, multiple properties, and international assets.

Gaylin Matthews, Head of Private Clients at BetterBond, explains how wealthy South Africans, entrepreneurs, and property investors can approach lending when a… standard home loan is no longer enough.

Matthews discusses what banks consider when assessing complex borrowers, including cash flow, credit profiles, security, and how much equity a client is prepared to contribute. She also explains how tailored lending structures can align repayments with irregular income streams while preserving liquidity.

The conversation explores common wealth planning mistakes such as excessive leverage and poor diversification, BetterBond’s Private Clients offering, and why an existing private banking relationship does not necessarily guarantee the most competitive financing deal. Matthews also explains why borrowers should assess total costs, flexibility, repayment terms, and resilience to changing interest rates.

0:00 Intro
1:02 How private banking has changed
5:18 Common wealth planning mistakes
7:41 What banks look for when lending
9:29 Structuring complex finance
11:42 BetterBond Private Clients
14:59 Financing through interest-rate uncertainty

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#PropertyFinance #PrivateBanking #WealthManagement Show more