Liquidity, without leaving the market.
Borrow against eligible investment portfolios to fund property, business opportunities or wider wealth plans—without selling long-term assets.
Independent, confidential finance advice for HNW and UHNW clients in the UK and internationally. Investment advice should remain with your investment adviser.
Your portfolio can do more than appreciate.
A Lombard facility uses eligible investments as collateral for a flexible line of credit or term loan.
Private banks assess the quality, liquidity, volatility and diversification of your holdings before assigning lending values. The result can be a fast, flexible source of capital that preserves ownership of the underlying assets.
Facilities may be structured as revolving credit, interest-only borrowing, evergreen arrangements or bespoke private banking loans. The right structure depends on what you hold, what you need the capital for, and how much market movement you are prepared to withstand.
See your portfolio through a private bank’s lens.
A lender does not apply one LTV to the statement total. It assigns lending value asset by asset, then tests concentration, custody, jurisdiction and the route out.
Not every pound in a portfolio has the same lending value.
Banks apply different advance rates—or no value at all—to each holding. Daily liquidity, price transparency, volatility and market depth determine the usable collateral base.
- Map every holding to an indicative advance band
- Separate headline value from lendable value
- Identify excluded assets before bank selection
- Model currency and volatility adjustments
The right facility starts with the event—not the product.
Choose the situation closest to yours. See where Lombard lending may sit in the structure, what it solves and which risk needs managing from day one.
Complete with certainty while the long-term mortgage catches up.
Portfolio-backed liquidity can fund a deposit, bridge a timing gap or support a cash-style offer without forcing an investment sale at the wrong moment.
The cheapest facility is not always the best one. Optionality, drawdown speed and the freedom to refinance can be more valuable than a narrow pricing difference.
Test your portfolio’s lending potential.
Explore indicative capacity, interest cost and how a market fall could affect the buffer before a margin call.
Portfolio & facility
Reference rate is held at 4.25% for this illustration. Pricing and advance rates vary by lender and market conditions.
Your indicative position
Illustration only, not a quote or lending decision. Actual terms, haircuts, maintenance thresholds and eligibility vary.
A strong facility is designed for the downside.
If pledged assets fall below a lender’s maintenance level, you may need to provide collateral, repay debt or permit asset sales.
Discuss the right bufferGo deeper on the decisions that matter.
Choose your objective, select a resource type and search our specialist Lombard finance library.
1 · Choose your priority
2 · Resource type
Clear answers before you pledge assets.
Every portfolio and facility is different. These answers are a starting point, not personal advice.
Is there a fee for the initial conversation and Lombard lending assessment?
No. Speaking with a Willow adviser, assessing the borrowing position and presenting appropriate portfolio-backed finance solutions are free and carry no obligation. We only charge if you decide to proceed, and we explain our fee and the lender or custody costs before you engage us.
How much can I borrow against my portfolio?
Many facilities fall between 30% and 80% of eligible portfolio value. The actual advance rate depends on asset type, diversification, liquidity, volatility and lender policy.
Will I have to transfer my investments?
Sometimes. Assets may remain with an existing manager under an agreed control arrangement, or the lender may require custody to move to its platform. We compare the implications before recommending a route.
What happens if the portfolio falls in value?
The lender may require additional eligible security, a partial repayment or sale of pledged assets. This is why facility sizing, diversification and a planned liquidity reserve matter.
Can Lombard lending fund a property purchase?
Yes. It can fund a deposit, a full purchase or time-sensitive completion, and may work alongside a mortgage or bridging facility.
Can international clients apply?
Yes, subject to residence, citizenship, asset jurisdiction, custody and regulatory requirements. Cross-border cases benefit from approaching lenders with the right appetite from the outset.
How quickly can a facility be arranged?
A straightforward case may complete in a matter of weeks. Portfolio complexity, custody transfers, source-of-wealth checks and multi-jurisdictional due diligence can extend the process.
Complex wealth deserves joined-up advice.
Since 2008, we have helped private clients secure finance where a standard income-led process does not reflect the strength of their wider position.
Understand the whole picture
We review your portfolio, objectives, timing, jurisdictions and risk tolerance before lender selection.
Shape the structure
We compare private banks and specialist lenders across advance rates, pricing, custody and flexibility.
Present the case
We coordinate the information lenders need and position complexity clearly for credit.
Stay with the transaction
We support valuation, due diligence, documentation and completion through to drawdown.
Start with the structure, not a sales pitch.
Tell us what you hold, what the capital needs to achieve and when it is required. We will assess the likely borrowing base, pressure-test the buffer and identify the lenders whose appetite fits the whole position.
No fee. No obligation.
Understand the portfolio-backed lending options before you commit.
Speaking with an adviser, assessing the borrowing position and presenting appropriate finance solutions costs you nothing. You only pay us if you decide to proceed, after our fee and the lender or custody costs have been explained.
You do not need a full portfolio statement or every document ready before making contact.
Keep sensitive information secure.
Do not send statements, identification or account information by ordinary email or WhatsApp. Willow will explain how to share documents securely when required.