Understanding you and your lending needs
Whatever life has in store, you need to be able to capitalise on opportunities or adapt to a change of circumstances and that may mean you need funds. This is why a key aspect of Wealth Management is access to flexible lending solutions.
There are all sorts of reasons why a lending solution might be appropriate. You may want to make a purchase - either property or investment. Perhaps greater liquidity would be helpful. Maybe you’re looking to achieve lower-cost funding. Or you want to make more effective use of diverse assets.
As an existing Brown Shipley client, you have a specialist lending team who are already well acquainted with your financial situation, so are perfectly placed to help. Our lending service spans portfolio finance, complex mortgages, single line assets and more, giving you opportunities to act strategically in line with your wealth plan. It’s all part of the service we provide as a private bank, giving you peace of mind so you leverage your assets without interrupting your investments.
Lending for specific purposes made simple
Lending shouldn’t be complex and time-consuming, so we will endeavour to keep the process as simple as possible, talking you through every step of the way. We are happy to work with your tax advisers to try and find the most effective structure for you, and loans can be secured against an appropriate Brown Shipley investment portfolio or against a residential or commercial property. Our dedicated Lending Specialists will work closely with you and your Client Advisor to explore the most suitable options available to you, and then to manage the necessary arrangements.
We will always talk you through all options, so you can feel completely confident in any decisions you take.
The types of lending we can help with
We offer a variety of lending options and will work collaboratively with your tax adviser to build and tailor an effective solution. You can draw upon the following options:
Portfolio (Lombard) Lending – Whether it is short-term liquidity – required to capitalise on an investment opportunity – or a longer-term option for an asset purchase, we can offer flexible financing solutions that address your specific needs. A portfolio (or Lombard) loan uses your investment portfolio as security for your loan, enabling your investment strategy to remain untouched.
Mortgages – We have solutions for a wide range of property purchases including residential, buy-to-let or commercial, on interest only or capital and interest terms. Our lending specialists will advise you on the most suitable option.
Short-term Loans – We are able to accommodate short-term arrangements including bridging loans, overdrafts or lending for a specific purpose and our integrated approach means these can often be arranged against existing funds already under our management.
Please visit our FAQs page if you have questions about the Brown Shipley lending service.
Tax planning is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
All lending is subject to qualifying criteria/Brown Shipley reserves the right to decline any loan application at its sole discretion.
Clients should consult their tax planning specialist.
Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Our Investment Management service involves investing your capital which places it at risk. Investment risk means the value of your investments or any income can fluctuate and you may not get back some or all of the amount invested. We recommend our clients seek professional tax advice to understand their personal liability for investment income and/or gains. This will depend on personal circumstances and the prevailing tax rules, which are subject to change.