Making important financial decisions and making the most of opportunities requires flexible lending solutions. Our facilities are designed to blend seamlessly with our other wealth management services, to find swift, creative solutions that are right for you, supporting the delivery of your overall wealth plan.
A change of circumstance or a new opportunity may mean you need funds. As an existing client, we’ll already be well acquainted with your financial situation, so are perfectly placed to help. Drawing on our private banking heritage, our service is based on trust and security.
Understanding your wider wealth plan enables us to structure any loan in the most efficient way for you. Our dedicated Lending Specialists will work closely with you and your usual Brown Shipley advisor to explore the most suitable options available to you and then to manage the necessary arrangements.
Lending can be tax advantageous and we work collaboratively with any tax adviser you have to build and tailor an effective solution, drawing 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 Repayment terms. Our lending specialists will advise you on the most suitable solution.
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.
Think carefully before securing debt against your home, or your investments. Your home may be repossessed if you do not keep up repayments on a mortgage. Lombard Lending used for investment purposes increases investment risk and exacerbates losses. Lending arranged outside of the United Kingdom is not covered by the Financial Services Compensation Scheme. It is important to understand what protection is provided in the relevant country. Our normal loan terms range from one to five years, although we will consider bespoke loan arrangements up to fifteen years. All lending is subject to qualifying criteria. Brown Shipley reserves the right to decline any loan application at its sole discretion.