Lending FAQs

We don’t ask for investments to be transferred to us as a condition of lending unless the loan is secured against those investments.

No, we are unable to offer finance in those situations.

Yes, we lend in GBP, USD or EUR

Yes, we lend to corporate structures registered in the UK, Isle of Man, Jersey, BVI and Mauritius (subject to meeting certain criteria)

Yes, where they are held on, or transferred to, our platform.

Rates are decided on an individual basis depending on the size of the loan, loan term, and how long you have been a client.

Offers are valid for three months.

Clients can borrow from us up to the age of 80.

We are unable to consider development finance for new-build properties, non-standard, or higher risk properties.

Working farms or short leasehold properties less than 80 years at the end of the mortgage term.

Yes, the residential property must be located in the UK (excluding Northern Ireland), Isle of Man, Jersey or Guernsey.

Typically, 75% for repayment mortgages and 65% for interest-only, subject to affordability. However, all cases are assessed by our expert advisers on a case-by-case basis.

We offer two types – fixed rate and floating variable rate tracker where the interest rate is linked to the Bank of England’s Base Rate

No – we lend in Sterling, Euros or US Dollars

We will only finance against properties in the UK, Jersey, or Isle of Man. However, you can release equity from a UK property to purchase overseas.

Yes, we can help expats living abroad with buy-to-let mortgages and can consider their income where they live, using the relevant tax codes for that location.

Yes, we can help both with residential and buy-to-let property purchases for expats.

No unfortunately we are unable to lend to HMOs.

Yes, we consider UK, Isle of Man, and Jersey Trust structures and SPVs based in the UK, BVI, Isle of Man, Jersey, and Mauritius.

While rental income is mandatory, we are able to take other income into consideration, e.g. earnings and other property income.

We will require a Personal Guarantee from the Ultimate Beneficial Owner (s) (UBO) and for overseas structures we will also require a Legal opinion for that jurisdiction.

Typically, 65% for personal borrowers and 60% for corporate structures, however, higher loan-to-values may be considered on a case-by-case basis.

Loans can be secured in your name, or via a company or trust.

These require asset-backed lending facilities which is a specialist form of financing that we currently don’t provide.

It’s not possible to borrow against ISAs or pensions for regulatory reasons.

We typically lend up to 50% of the current market value of a diversified portfolio.

This depends on a range of factors so please get in touch with your adviser to discuss your individual requirements.

Loans can be in sterling, euros or US dollars.

Lombard lending involves pledging assets (such as securities or valuable possessions) as collateral for a loan. The lender evaluates the assets’ value, determines the loan amount, and sets terms, including interest rates and repayment schedule. If the borrower defaults, the lender can seize and sell the assets to recover the loan amount.

Lombard lending offers access to funds using your assets as collateral, allowing you to take advantage of investment opportunities with potentially lower interest rates.

The term “Lombard loan” originates from medieval Lombardy, Italy, where pawnbrokers used assets as collateral for loans.