4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
A Lombard loan lets high-net-worth borrowers raise capital against their investment portfolio, providing access to liquidity without selling assets or losing market exposure.
Rated 4.97 out of 5 from 2,400+ reviews
What are lombard loans?
A Lombard Loan is a flexible financing solution for high-net-worth individuals, offering access to capital without needing to liquidate your investments. Unlike traditional mortgages secured against property, Lombard Loans use your existing financial assets as collateral, such as investment portfolios, stocks, bonds, or cash
Whether you need funds for property purchases, business investments, or personal projects, Lombard lending can provide swift access to liquidity while keeping your investments intact.
Your home or property may be repossessed if you do not keep up repayments on your mortgage
Lombard Loans allow you to unlock funds without selling your assets, preserving your investment positions while still gaining access to capital for new opportunities.
By using your investments as security, you can maintain exposure to market growth, dividends, or interest, and avoid potential tax implications from selling assets.
Lombard lending often comes with:
Borrowers can access capital while keeping other investments intact, enabling strategic
portfolio diversification and greater financial flexibility.
Lombard Loans are most commonly provided by private banks, wealth managers, and specialist lenders.
Advantages of Lombard Loans include quick access to cash, helping you avoid the lengthy processes often associated with selling assets or arranging traditional lending. They also allow you to maintain investment exposure, because your assets can continue to earn returns while being used to secure the loan. In addition, Lombard Loans typically offer flexible terms, letting you draw down and repay as needed, which gives you greater control over cash flow.
They can also support strategic financial planning, as they may be used to fund investments, property purchases, or other high-value opportunities without disrupting your portfolio. Another possible benefit is tax efficiency, since borrowing against assets can help you avoid triggering capital gains taxes or other costs that may arise from liquidating investments.
There are important risks to consider with Lombard Loans. Collateral volatility is a key factor, as asset values can fluctuate and may trigger margin calls or require you to provide additional collateral. Loan-to-value limits set by lenders can also restrict how much you are able to borrow, as these limits are designed to mitigate market risk.
There is also default risk: if repayment terms are not met, the lender may sell the collateral, which could result in a financial loss. Finally, interest costs can be higher than traditional secured mortgages, reflecting the short-term and flexible nature of this type of lending. It’s essential to assess your financial position carefully and seek specialist advice before arranging a Lombard Loan.
Why private finance
An independent, whole-of-market broker using 300+ lenders, including high-street lenders, private banks and specialists, so we can find and structure the right solution.
Delivering over 25 years of trusted mortgage advice, our team offers tailored advice based on your unique financial circumstances, along with dedicated broker support to guide you through every step of the loan process.
An average 4.97/5 from more than 2,000 reviews. We keep the process simple, do the research and paperwork, and keep you updated throughout.
Next steps
01
Your journey starts with a free initial consultation, usually completed on the same day as your enquiry. In just 20 minutes, we’ll get to know you and understand exactly what you need. This is all with no obligation to proceed.
02
We compare 300+ lenders to identify competitive terms for your property needs. Most brokers can only access around 70 lenders; we leverage solutions from private banks, specialist lenders, building societies and the high street.
03
We complete the paperwork, submit the application, and chase the underwriters, valuation, and mortgage offer, keeping you updated throughout the whole process.
Before applying for a Lombard Loan, consider the type and value of assets you can pledge as collateral, as well as your cash flow needs and repayment capacity. You should also review interest rate terms and factor in the potential for margin calls, and think about how the loan fits within your broader investment and financial strategy.
Private Finance will guide you through the process, helping you structure a Lombard Loan that works for your financial profile and objectives.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
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