Gearing up to build on wealth
Fairbairn Private Bank can offer a variety of bespoke lending
solutions for clients and finance can be secured against a range of
assets. Although around 70% of our lending is property related, we
can also lend against a client's portfolios and investments for a
range of purposes.
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Portfolio leverage is usually suitable for clients or families
with a broad range of assets. While property is seemingly the
obvious security for borrowers to offer, taking a holistic approach
to leverage can lead to efficiencies when compared to a narrower
approach. Benefits could be available to clients with a plan to
keep offshore assets separate from those held onshore, especially
when offshore income must be used to service interest payments.
Lending facilities are subject to sufficiently diversified
investment assets being held with Fairbairn Private Bank, with
pre-agreed loan-to-value ratios applicable to the bank's own
discretionary strategies. |
The benefits of utilising our bespoke lending solutions
include:
- Speed in arranging loans against portfolios already held with
the bank
- Attractive pricing where lending facilities are less than 50%
of the portfolio value
- There are no ancillary costs such as legal fees
- Flexible options include interest-only, repayment on regular
basis or repayment on bullet basis.
There are always risks involved in gearing against investment
portfolios. For example, a large or sudden drop in the value of
investments held in the client's portfolio can bring the
loan-to-value ratio to a level above the agreed limit or lead to a
shortfall upon maturity of the loan meaning the client may then
need to inject funds from another source to repay the loan.
Please note that all our lending facilities are subject to
credit sanctions.
To find out more about our bespoke lending services, please
contact your relationship manager directly or call our client
services team on +44 (0) 1624 645000.