For many successful individuals, wealth is not simply defined by what is owned, but by the agility to deploy it when opportunities arise. Yet, in a world where prosperity is often held across investment portfolios, businesses, and property, converting that wealth into immediate liquidity can prove challenging.
Lombard lending offers a discreet, efficient solution, enabling you to secure finance swiftly, often within days, without pledging property as security or liquidating long-term investments.
What Is Lombard Lending?
Lombard lending allows you to borrow against your existing liquid assets, such as equities, bonds, or managed portfolios, while retaining full ownership and investment exposure.
Instead of selling holdings to raise funds, you pledge them as collateral to a private bank or specialist lender. This structure releases capital quickly, providing flexibility to act on opportunities while keeping your investment strategy intact.
Common uses include:
- Property acquisitions, funding a purchase before traditional mortgage finance completes, or bypassing it altogether.
- Short-term liquidity, bridging cashflow gaps or funding tax obligations.
- Strategic investments, expanding business interests or capitalising on time-sensitive opportunities.
Because the loan is secured against high-quality, liquid assets, rates are typically competitive and approvals are rapid. In many cases, facilities can be arranged in under a week, offering a speed and discretion few other financing routes can match.
Lombard Lending as a Property Finance Solution
A key advantage of Lombard lending is its ability to facilitate property purchases without using the property itself as collateral.
For instance, a client may wish to acquire a London residence, an overseas property, or an investment opportunity quickly. Rather than waiting for conventional mortgage approval, they can draw upon a Lombard facility secured against their investment portfolio. The property can then be refinanced later if desired , but the acquisition is not delayed.
This approach offers several benefits:
- No property charge, leaving the property unencumbered.
- Preservation of investment exposure, avoiding the need to sell assets at an inopportune time.
- Tax efficiency, reducing the risk of triggering capital gains or other realisation events.
- Speed of execution, transactions often complete within days rather than weeks.
Retaining Assets, Unlocking Flexibility
The ability to retain your assets while accessing liquidity is at the core of Lombard lending.
Liquidating investments to raise cash can disrupt long-term strategies, incur unnecessary tax, and diminish potential returns. A Lombard facility allows your portfolio to remain fully invested and productive, working for you even as you leverage it for new ventures or acquisitions.
This makes it particularly valuable in dynamic markets, where opportunities are time-sensitive and agility is paramount.
A Bridge Between Wealth and Opportunity
For many clients, Lombard lending serves as a strategic bridge, allowing them to move with confidence while longer-term structures, such as traditional mortgages or refinancing, are arranged.
By securing short-term finance quickly, you maintain full control of timing and negotiation, ensuring that opportunities are not lost due to administrative delays. Once the transaction completes, the facility can either be repaid or converted into longer-term asset-backed finance.
Tailored Structuring Through Specialist Advisers
Lombard lending facilities are typically arranged through private banks or specialist lenders who understand complex financial profiles and asset bases.
At Henry Dannell, we work closely with such institutions to structure bespoke solutions, aligning borrowing capacity with your broader financial architecture and ensuring that liquidity supports, rather than disrupts, your overall wealth strategy.
Our role is to manage every aspect: from negotiating terms and reviewing portfolio eligibility, to ensuring cross-border considerations and tax implications are handled with precision and discretion.
When to Consider Lombard Lending
- You need to secure a property quickly without waiting for mortgage approval.
- You prefer not to pledge the property being acquired as security.
- You wish to retain your portfolio investments and avoid realising gains.
- You require short-term liquidity for business or personal objectives.
- You value flexibility, speed, and discretion in your financing arrangements.
Unlocking Capital with Confidence
In today’s market, with lender competition intensifying and interest rates stabilising, Lombard credit facilities are increasingly attractive. Margins are narrowing, and private banks are extending greater flexibility to clients with strong asset bases.
This creates an opportune moment to explore how Lombard lending can serve as a powerful liquidity instrument, one that protects your capital, preserves your strategy, and allows you to act with precision.
Conclusion
Lombard lending transforms static wealth into actionable capital, enabling you to pursue opportunities, complete property transactions, and achieve goals without disruption to your portfolio or investment strategy.
At Henry Dannell, we specialise in structuring Lombard lending and asset-backed solutions tailored to complex financial circumstances. Our expertise ensures your assets remain productive while your liquidity needs are met with speed, discretion, and confidence.
If you would like to explore how a Lombard loan could help you secure property finance swiftly while retaining your assets, we would be delighted to advise you.
A mortgage is secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Mortgage deals may not be available, and lending is subject to individual circumstances and status.
