Lending Services
As part of our comprehensive range of private banking products we offer an array of bespoke and flexible credit services to address your credit needs.
Our credit solutions offer:
Fixed or variable interest rates
Fixed terms
Competitive loan-to-value ratios
Available in all major currencies
Facility structures matched to meet individual requirements
We offer a wide range of credit facilities including:
Lombard lending
For clients with investment portfolios, we can arrange credit secured against your portfolio, including all major investment classes. Lombard lending is commonly used for liquidity to take advantage of investment opportunities, preventing unwanted break up of existing investment schemes, and for tax planning.
Mortgages
We offer a range of Channel Island and UK (through our FSA authorisation) mortgages, whether purchasing a new home, an investment property or refinancing. This service is offered as part of an integrated private banking relationship.
Forward foreign exchange
Forward foreign exchange facilities with low margin requirements are available in all major currencies.
Guarantees and Standby Letters of Credit
We offer guarantees and standby letters of credit in a standard, internationally agreed format that are individually tailored to your specific needs. These facilities can be secured against cash or investment portfolios.
Yacht Finance
We offer facilities for private yachts under most major flags. These facilities can be secured against the yacht itself or against investment portfolios held in our custody.
For more information about credit facilities, our experienced Relationship Managers can find solutions and provide detailed information to give you personal support in any aspects of financing with a timely response.
Please contact us to discuss your requirements.