Lombard Lending

Unlock Liquidity Without Selling Investments

Lombard lending is a private banking facility that enables High Net Worth (HNW) and Ultra High Net Worth (UHNW) clients to borrow against eligible investment portfolios without liquidating long-term assets.

Rather than selling shares, bonds, funds or managed investment portfolios to raise capital, clients can use these assets as collateral to access flexible credit facilities. Funds can often be used for property acquisition, business investment, tax planning, refinancing, liquidity management and other strategic wealth planning purposes.

At Willow Private Finance, we work with private banks and specialist lenders to structure Lombard lending facilities tailored to each client's portfolio, objectives and risk profile, helping investors access capital while maintaining long-term investment exposure.

Securities-Backed Lending

What Is Lombard Lending?

Lombard lending is a private banking facility that allows clients to borrow against eligible investment assets without selling them.

Lombard lending allows clients to use investment assets such as listed shares, bonds, ETFs, investment funds, discretionary portfolios and cash holdings as collateral for borrowing.

The lender assesses the quality, liquidity, volatility and diversification of the portfolio before deciding how much can be borrowed. This allows clients to access capital while maintaining exposure to their long-term investment strategy.

Lombard lending is commonly used by high-net-worth individuals, entrepreneurs, family offices and internationally mobile clients who require flexible liquidity without disrupting existing investment arrangements.

Liquidity Without Selling Investments

Rather than liquidating assets, clients can release capital from an existing portfolio while retaining ownership of their investments and preserving long-term market exposure.

Common Uses

  • Property acquisition and real estate investment
  • Bridging short-term liquidity requirements
  • Business investment or expansion
  • Tax planning and settlement of liabilities
  • Refinancing existing borrowing
  • International property purchases
  • Preserving investment positions without triggering asset disposals

What Lenders Assess

  • Asset type and liquidity
  • Portfolio diversification
  • Volatility risk
  • Jurisdiction and custody arrangements
  • Currency exposure
  • Concentrated stock positions
  • Overall client profile and repayment strategy

How Facilities Can Be Structured

Depending on the portfolio and lender appetite, Lombard facilities may be arranged as revolving credit lines, interest-only facilities, evergreen arrangements, fixed-term loans or bespoke private banking credit facilities.

Lombard Lending Simulator

Test Your Portfolio’s Lombard Lending Potential

Explore how private banks may assess your investment portfolio when considering a Lombard lending facility.

Lombard lending is not determined solely by portfolio size. Private banks assess a range of factors including asset quality, diversification, liquidity, volatility, concentration risk and margin-call exposure before deciding how much capital they are prepared to advance.

The Lombard Lending Simulation Suite below has been designed to help High Net Worth and Ultra High Net Worth clients understand how private banks may evaluate an investment portfolio when considering a securities-backed lending facility.

By adjusting your portfolio value, borrowing requirement and risk assumptions, you can explore how changes in portfolio structure may influence lending capacity, resilience and risk exposure.

Understand Borrowing Capacity Before You Apply

The simulator provides a practical illustration of the relationship between leverage, asset quality, liquidity planning and portfolio resilience during market downturns.

The Simulator Models Key Lending Metrics

1

Loan-to-Value capacity

2

Asset quality and diversification

3

Margin-call sensitivity

4

Liquidity and volatility stress testing

5

Indicative borrowing limits

6

Estimated interest costs

7

Portfolio resilience during downturns

8

Concentration and asset-risk exposure

Estimated Market Cushion

One of the most valuable outputs is the estimated market cushion: an indication of how much portfolio value could potentially be lost before a lender may require additional collateral, partial repayment or portfolio restructuring.

Important: This simulator is for illustration purposes only. Actual Lombard lending terms, advance rates, margin-call thresholds and lending decisions vary between private banks, specialist lenders, portfolio structures and market conditions.

Lombard Lending Capacity Calculator

Private Banking Portfolio Assessment | 2026 HNW Edition

Portfolio Details

Indicative private bank advance rates vary by asset quality, liquidity, diversification and jurisdiction.

Facility Requirements

Indicative Market Cushion
0%
40% Current LTV
Indicative Max Facility: £0
Estimated Annual Interest: £0
Estimated Monthly Interest: £0
Indicative Margin Call Level
Call may trigger at portfolio value: £0
Indicative illustration only. Actual Lombard lending terms, advance rates, pricing, margin-call thresholds and facility availability vary by lender, portfolio composition, borrower profile, jurisdiction, custody arrangements and market conditions.
Lombard Finance

Lombard Finance Knowledge
Centre

Specialist Lending Against Investment Portfolios
For HNW Clients And Private Bank Borrowers

The Lombard finance market is highly specialist, with lenders assessing far more than the value of your assets. Portfolio composition, asset eligibility, loan-to-values, haircuts, market volatility, liquidity requirements and private bank criteria can all influence whether lending is available and how your facility is structured.

Browse our specialist guides below covering securities-backed lending, private bank facilities, rates and LTVs, margin calls and risk management, liquidity planning, cross-border clients and real client case studies.

Lombard Finance

Lombard Finance Knowledge Centre

Choose the Lombard finance area that best matches your requirement. We will then show the most relevant guides, market updates or case studies covering portfolio-backed lending, securities-backed finance, private bank facilities, margin risk and liquidity planning.

Start With Your Lombard Finance Requirement

Select one topic below. The next step will let you choose whether you want practical guides, market news or real client case studies. No articles will appear until you have made those selections.

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Frequently Asked Questions About Lombard Lending


What is Lombard lending?


Lombard lending, also known as securities-backed lending or an investment portfolio loan, allows you to borrow against the value of eligible investment assets rather than selling them. Instead of liquidating shares, bonds or investment funds, your portfolio acts as security for a flexible credit facility, enabling you to access liquidity while remaining invested.


How much can I borrow against my investment portfolio?


The amount you can borrow depends on the value, quality and diversification of your portfolio. Many private banks will lend between 30% and 80% of the portfolio's value, although the maximum loan-to-value varies depending on the types of assets held and the lender's risk criteria.


Which investments can be used as security?


Eligible assets commonly include:


  • Listed shares and equities
  • Investment funds and mutual funds
  • Exchange Traded Funds (ETFs)
  • Government and corporate bonds
  • Cash deposits
  • Discretionary investment portfolios
  • Certain structured investment products


Each lender maintains its own list of acceptable assets, and highly diversified portfolios generally provide the greatest borrowing flexibility.


Can I borrow against a portfolio held with another investment manager?


Yes. In many cases, portfolios can either remain with the existing investment manager under agreed custody arrangements or be transferred to a participating private bank offering Lombard lending. The most suitable structure will depend on the lender and your investment objectives.


What can Lombard lending be used for?


Lombard lending is highly flexible and may be used for a wide range of purposes, including:


  • Purchasing residential or commercial property
  • Funding property deposits
  • Business expansion
  • Acquiring investments
  • Tax liabilities
  • Estate planning
  • Luxury asset purchases
  • General liquidity requirements


The intended use of funds will always be considered as part of the lender's underwriting process.


Will I have to sell my investments?


No. One of the principal advantages of Lombard lending is that you retain ownership of your investment portfolio. This allows your assets to remain invested and continue participating in any future market growth, although investment values can rise or fall.


What happens if my portfolio falls in value?


If the value of the pledged portfolio falls below the lender's required level, the bank may issue a margin call. This could require you to provide additional eligible assets, partially repay the loan or allow part of the portfolio to be sold if the position is not restored. Your adviser will explain these risks before any facility is arranged.


Is Lombard lending suitable for property purchases?


Yes. Many clients use Lombard lending to fund deposits, complete purchases quickly or release capital for property investments without selling existing investment assets. It can also work alongside traditional mortgages, bridging finance or private banking facilities.


Who typically uses Lombard lending?


Lombard lending is most commonly used by:


  • High-net-worth individuals
  • Ultra-high-net-worth families
  • Business owners
  • Entrepreneurs
  • Family offices
  • Company directors
  • UK expatriates
  • International investors
  • Clients with substantial investment portfolios


It is particularly attractive where preserving investment exposure is as important as accessing liquidity.


Is Lombard lending the same as a mortgage?


No. A mortgage is secured against property, whereas Lombard lending is secured against financial investments such as shares, funds and bonds. However, the proceeds from a Lombard facility can often be used to purchase property or support other investment opportunities.


What interest rates are available?


Interest rates vary according to the lender, the size of the facility, the quality of the investment portfolio and the overall client relationship. Private banks generally price Lombard facilities as a margin over their underlying cost of funds or reference interest rate.


How quickly can a Lombard lending facility be arranged?


Timescales vary depending on the complexity of the portfolio, custody arrangements and the lender's due diligence requirements. Straightforward cases can often complete within a matter of weeks, making Lombard lending considerably faster than many traditional property finance solutions.


Can overseas clients access Lombard lending?


Yes. Many private banks provide Lombard lending for UK expatriates, foreign nationals and internationally mobile clients, although eligibility depends on the client's country of residence, regulatory requirements and the jurisdiction in which the investment portfolio is held.


Why use Willow Private Finance for Lombard lending?


We work with specialist private banks and wealth lenders across the UK and internationally to identify suitable securities-backed lending solutions. We can help clients compare lenders, structure facilities around complex portfolios and secure borrowing that aligns with their wider financial objectives while preserving long-term investment strategies.

Why Willow Private Finance

Lombard Finance Built Around Complex Wealth

Securing Lombard finance requires more than identifying the lowest headline rate. Lenders need to understand the investment portfolio, asset eligibility, concentration risk, liquidity, volatility, loan-to-value limits and the purpose of the facility.

Since 2008, Willow Private Finance has helped high-net-worth clients, entrepreneurs, investors and international borrowers arrange finance where traditional income-led lending does not always reflect the strength of their overall wealth position.

Our advisers work with private banks, specialist lenders and wealth-focused funding lines, helping clients structure facilities against eligible investment portfolios while considering margin calls, repayment strategy, liquidity and wider property or business objectives.

What Sets Us Apart

Established Since 2008

Long-standing experience across changing private banking, mortgage and specialist lending markets.

Private Bank Access

Access to private banks, specialist lenders and facilities designed around investment-backed borrowing.

Portfolio-Backed Expertise

Support with securities-backed lending, Lombard facilities, large property purchases and liquidity planning.

Risk And Structure Advice

Guidance around LTVs, haircuts, margin calls, asset concentration, liquidity and repayment strategy.

End-To-End Client Support

Clear guidance from initial appraisal and lender selection through to credit approval, offer and completion.

Lombard Lending Advice

Bespoke Lombard Lending Solutions

Portfolio-backed finance for high-net-worth and ultra-high-net-worth clients.

At Willow Private Finance, we help high-net-worth and ultra-high-net-worth clients access Lombard lending facilities through leading private banks and specialist lenders.

Whether you are looking to unlock liquidity without selling investments, fund a property purchase, refinance existing borrowing or support wider wealth-planning objectives, we can help identify suitable Lombard lending structures.

Every enquiry is handled confidentially, with a focus on long-term wealth preservation, liquidity planning and access to appropriate private banking solutions.
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