Lombard Lending
Access capital without disrupting your investment strategy, triggering unnecessary tax events or liquidating long-term positions.
Lombard Lending
Strategic liquidity secured against your portfolio, without disrupting long-term investment plans
Lombard lending is not about borrowing for the sake of leverage. It is about flexibility — accessing capital while preserving the integrity of your investment strategy.
For high-net-worth individuals and internationally diversified clients, selling assets can trigger tax events, disrupt market positioning or alter long-term plans. A properly structured Lombard facility provides liquidity without unnecessary liquidation.
We act as your strategic intermediary, ensuring the facility is aligned with your risk appetite, portfolio composition and wider wealth objectives — not simply arranged because it is available.
Our approach is grounded in strategic clarity, not leverage for its own sake.
Why Lombard Lending Matters for Strategic Wealth
Liquidity without liquidating investments
Selling assets can disrupt portfolio strategy, trigger capital gains tax or force market timing decisions.
A well-structured Lombard facility provides access to capital while preserving your long-term investment positioning.
Portfolio composition affects lending flexibility
Each private bank applies different lending margins, asset eligibility rules and risk thresholds.
We ensure your portfolio is assessed correctly and aligned with an institution whose appetite matches your holdings and objectives.
Leverage must be structured responsibly
Lombard lending introduces market-linked considerations, including asset volatility and margin requirements.
We structure facilities with careful attention to risk tolerance, liquidity buffers and long-term financial planning — not short-term convenience.
Discretion and process control are essential
High-value clients expect clarity and minimal disruption.
From initial assessment through to facility agreement and ongoing coordination, we manage the process end-to-end — quietly and efficiently.
Strategic Liquidity Planning
Private Bank Access
Cross-Border Portfolio Expertise
Why Choose London FS for Lombard Lending?
Lombard lending is a powerful tool — but only when structured correctly.
We act as your strategic intermediary, ensuring the facility complements your portfolio, risk profile and long-term wealth objectives rather than creating unintended exposure.
Discreet Process Management
Structured Risk Alignment
Long-Term Wealth Focus
Who Benefits from Lombard Lending
Portfolio Investors
Entrepreneurs & Business Owners
International & Multi-Currency Clients
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues 
we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple 
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Strategic Liquidity Without Disruption
If you’re considering Lombard lending and want clarity around structure, risk and suitability, we’re here for a confidential discussion.
We’ll help you understand how a portfolio-backed facility can support your plans while preserving long-term investment strategy.
Our Wealth Services
Our wealth services are designed for clients with complex financial structures, international assets and long-term strategic objectives. We provide structured, independent advice across private bank finance, Lombard lending and relationship-led solutions — ensuring your capital remains flexible, protected and aligned with your broader wealth strategy.
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Frequently Asked Questions on Lombard Lending
How do I know if Lombard lending is appropriate for my situation?
Lombard lending is not suitable for every portfolio or objective.
We begin by understanding your broader capital strategy — the assets you hold, your liquidity needs, risk tolerance and long-term plans. The goal is not simply to unlock borrowing capacity, but to determine whether a portfolio-backed facility supports your wider wealth structure.
Our approach is strategic clarity, not leverage for its own sake.
Why wouldn’t I just sell assets instead of borrowing against them?
Selling investments can trigger capital gains tax, disrupt long-term positioning or force decisions based on market timing.
Lombard lending allows you to access liquidity while preserving market exposure and maintaining strategic allocation. For many high-net-worth clients, flexibility without liquidation is the primary advantage.
The decision, however, must always be weighed against risk and cost.
What are the risks involved with Lombard lending?
Lombard facilities are secured against investment portfolios, meaning asset values and market volatility matter.
Key considerations include:
• Loan-to-value ratios
• Margin call mechanisms
• Eligible asset types
• Currency exposure
• Liquidity buffers
We ensure you understand these variables fully before any facility is arranged, and structure borrowing within a sensible risk framework.
How do private banks assess a Lombard facility?
Private banks look at more than the size of your portfolio. They assess:
• Asset composition and diversification
• Volatility and liquidity of holdings
• Concentration risk
• Currency exposure
• Overall relationship value
Each institution has its own appetite and margin policies. We match you with lenders aligned to your portfolio and objectives.
Can Lombard lending support international or multi-currency portfolios?
Yes.
Many private banks offer facilities across multiple currencies and can structure lending aligned to foreign income or globally diversified assets.
We ensure the borrowing currency, asset base and repayment profile reflect your international financial footprint rather than creating unnecessary exposure.
What can Lombard lending typically be used for?
Common uses include:
• Property purchases (UK or international)
• Short-term liquidity needs
• Business opportunities
• Refinancing existing borrowing
• Tax planning
• Preserving long-term investment strategy
The key principle is alignment — the facility should support your broader wealth plan, not operate in isolation.
How quickly can a Lombard facility be arranged?
Timeframes depend on portfolio complexity, documentation and bank processes.
Where assets are already custodied with a private bank, facilities can often be arranged efficiently. Where introductions are required, we coordinate the process carefully to minimise friction and delays.
Will my investments remain under my control?
Yes, subject to the facility terms.
You retain ownership of your assets, but they are pledged as security. It is important to understand how margin requirements operate and what happens during market volatility.
We ensure these mechanics are explained clearly before proceeding.
How is interest structured on a Lombard facility?
Interest structures vary depending on:
• Currency
• Loan size
• Relationship depth
• Bank pricing model
Some facilities are floating rate, others may offer structured options. We negotiate terms aligned with your longer-term financial objectives rather than focusing solely on headline pricing.
Do you work alongside my existing wealth advisers?
Absolutely.
We regularly coordinate with:
• Private bankers
• Wealth managers
• Tax advisers
• Accountants
• Solicitors
Lombard lending should integrate seamlessly into your wider wealth architecture — not sit as a disconnected borrowing decision.