Lombard loans

Cost-effective liquidity solutions

At some point, most of us will need extra liquidity to cover our short- and medium-term needs. You might need lending services to explore new investment opportunities. Or maybe you’re considering buying another property.

Whatever your plans, using your existing portfolio as collateral for a loan can keep your interest costs down. The result? Liquidity solutions that are cost-effective and flexible.

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Together, we can help you find the right loan.


How it works

Choose a convenient, well-priced lending service that fits your needs.

Variable loan facility: Draw on this cash reserve as you need it, and pay it back knowing you’ll only pay interest on the amount of credit you’ve actually used.

Fixed term advance: Take out a loan of a set amount for a specified period, fixing the interest rate for up to 24 months.

Bank guarantee: Obtain an agreement that provides assurance to a selected third party should you fail to meet the stated conditions.

Securing the amount you borrow against eligible investments in your portfolio could make your interest charges much lower compared to unsecured forms of borrowing. The collateral we generally consider includes (but isn't limited to) equities traded on major global stock markets, investment funds, corporate and government bonds and UBS cash deposits.


Your benefits

Keep existing assets and stay flexible

Avoid having to sell your current portfolio and get quick and easy access to funds.

Tailor borrowing

We can customise the loan amount, currency and timeframe to your needs. You may also be able to add the interest to the loan.

Pay interest only on what’s borrowed

Interest is calculated on the daily loan balance and charged either every three months or six months, as agreed.

Have the full picture

We define all costs up front, so you know exactly where you stand.

Why UBS is your right partner?

With our global and local experience and expertise, top industry rankings and award-winning track record, we're confident that we can help you reach your goals. Our specialists are ready to advise you in various regions across the UK.

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Ready to start a conversation? We look forward speaking with you.

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Find your local branch

We have offices in various regions across the UK.

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Answering your questions

Have a question about our wealth management offering and services? We're here to help you. 

Find the answers

The price and value of investments and income derived from them can go down as well as up. You may not get back the amount originally invested. Currency and interest rate changes can significantly reduce expected returns and asset values. If the value of your securities against which a loan is secured falls below a certain limit, UBS may ask you to provide additional collateral or repay the loan in part or full. If you are unable to meet this obligation, UBS may liquidate some or all of the investments used to secure the loan.