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Lombard Loans

Lombard Loans are a flexible financing solution available to affluent borrowers, tailored to their specific financial profiles and circumstances.

Unlike traditional mortgages that are secured by property, lombard loans raise finance against existing liquid assets without necessarily liquidating your portfolio.

What our clients say

“Private Finance provided excellent service securing a remortgage for my property even though it was not a straight forward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”

“Private Finance worked incredibly hard to secure our business re-mortgage. They were always calm, professional, polite and ready to wade in on our behalf when things stalled. We would happily recommend them, and look forward to maintaining our relationship. Many thanks!”

“Outstanding services in our mortgage search, during a weird environment of fast-changing market conditions. The team has always been super responsive, very clear in their replies to all questions we had along the process, and managed to get us extremely good deals on various mortgage products. I can only strongly recommend them for your mortgage search!!”

“Private Finance provided excellent service securing a remortgage for my property even though it was not a straightforward case. They always kept me updated and was on hand to help and deal with any issues arising. Would definitely recommend Private Finance for their services, offering guidance and support throughout the whole process.”

“Professional and proactive advice and service – secured me an amazing rate on my mortgage. The team were great with their communication and I always felt confident that things were progressing – completely took away any anxiety from a stressful process!”

“Private Finance have been fantastic in finding me the right provider and the right price. We have used them twice now, and both times the communication was fantastic, the options explained, and the rest of the paperwork dealt with. Would highly recommend.”

Expert Mortgage Consultants

With over two decades of experience arranging mortgages of every kind, our consultants havee deep expertise in the finer points of the mortgage market.

Here are some of the reasons that our clients trust us with their mortgage needs:

Relationships

We’re an independent, whole-of-market broker using over 175 different lenders, with strong ties to high-street lenders, private banks and specialist providers. That means we’re optimally positioned to find the right mortgage solution for you.

Expertise

We believe in holistic mortgage advice that considers your personal and financial situation as well as the broader financial markets. To achieve this, we partner with wealth advisers and accountants to draw on their expertise when needed and tailor advice to suit your current and future needs.

Service

With an average rating of 4.97/5 based on more than 1,800 reviews, we offer an exceptional client experience. We insulate you from the rigmarole of the mortgage process so that you can stay focussed on your day-to-day.

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What is a Lombard Loan?

Lombard Loans are a type of secured loan that allows individuals or businesses to borrow funds by using their existing liquid assets as collateral. This could include an investment portfolio, stocks and shares, or even cash.

Lombard lending is commonly offered by private banks and financial institutions to high-net-worth individuals and can be a great option for individuals with a significantly high asset base compared to income.

What are the advantages of using a Lombard Loan?

Lombard Loans offer several benefits that make them an attractive financing option for individuals or businesses with substantial financial assets. Here are some of the key benefits of Lombard loans:

Access to liquidity

Lombard Loans provide a way to access funds without having to sell your financial assets. Instead of liquidating your investments, you can use them as collateral to secure a loan.

Assets remain invested

Lombard Loans allow you to increase liquidity without having to sell securities, allowing you to take advantage of the increase in value and earnings from assets, and avoid potential significant tax charges.

Diversification and risk management

Instead of concentrating wealth in a single asset, funds can be accessed while keeping other investments intact and explore other investment opportunities outside of your current portfolio.

Flexibility

A Lombard Loan is a fully flexible facility enabling drawdown and payback as required.

What are the drawbacks of Lombard Loans?

It’s important to consider the potential risks and drawbacks of Lombard Loans as well.

The value of the collateral can fluctuate, and if its value falls significantly, the lender may require additional collateral or repayment of the loan. Defaulting on the loan can result in the lender selling the collateral, potentially causing a loss of assets.

Lombard Loans have a loan-to-value limit to ensure the lender is protected against market volatility and securities value and absorbs any losses on their side.

Before opting for a Lombard Loan, it’s crucial to carefully assess your financial situation, consider the terms and conditions of the loan, and evaluate the potential risks and rewards. Consulting with a specialist such as Private Finance can provide valuable guidance and help you make an informed decision. We will explain how Lombard Loans work and whether this is a suitable and feasible option for your requirements and circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

How can we help you?

We invite you to get in touch via a free, no-obligation initial consultation.