Using Lombard loan to help an expat build their dream home abroad
A wealth planner, private bank and investment manager all-in-one.
Our client’s wishes
We were introduced to a UK expat through one of our trusted Dubai partners. Now living in Thailand, he has built a thriving business from the ground up, becoming one of the region’s leading retailers and exporters. Alongside his entrepreneurial success, he has grown a significant investment portfolio with us and owns several buy-to-let properties in the UK – one of which still had an outstanding mortgage.
Our clients’ situation
The client had already purchased land in Thailand and he was in the process of building a family home. His investment portfolio had performed strongly over the past two years, which provided an opportunity for him to rethink his financing strategy.
Instead of opting for a traditional remortgage – which would have involved valuation fees, legal costs, and potentially higher interest rates – he decided to use a Lombard facility. This solution allowed him to borrow against his investment portfolio, which typically offers lower rates thanks to the liquidity of the assets.
With our Lombard Loan facilities offering up to 50% loan-to-value, the client had more than enough equity to secure the facility and could comfortably repay on demand by liquidating part of his portfolio if needed. This approach helped him achieve two key goals:
- Repay the UK mortgage without the hassle and cost of remortgaging
- Access additional funds to continue building his family home in Thailand without resorting to higher cost development finance
This outcome granted the client a cost-effective, streamlined solution that was personalised to him, his international lifestyle and financial position.
With our Lombard Loan facilities offering up to 50% loan-to-value, the client had more than enough equity to secure the facility and could comfortably repay on demand by liquidating part of his portfolio if needed.
Our clients’ outcome
Once we received all the necessary information, the application was submitted and thanks to the strength and performance of his portfolio over the past three years, we were able to quickly secure approval.
This case shows how a well-structured Lombard lending solution can be an effective way to manage complex finances – by unlocking liquidity, lowering borrowing costs, and supporting clients with international requirements.
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Any examples of investments and structures used are for illustrative purposes only. This case study does not constitute an invitation or inducement to buy any financial investment or service. None of the content constitutes advice or a personal recommendation. Individuals should seek professional advice, based on their jurisdiction and personal circumstances, before making any financial decision.
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