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    What our clients say

    Expert Mortgage Consultants

    With over two decades of experience arranging mortgages of every kind, our consultants havee deep expertise in the finer points of the mortgage market.

    Here are some of the reasons that our clients trust us with their mortgage needs:


    We’re an independent, whole-of-market broker using over 175 different lenders, with strong ties to high-street lenders, private banks and specialist providers. That means we’re optimally positioned to find the right mortgage solution for you.


    From mortgage broking to wider financial planning, our consultants have a strong, holistic understanding of the financial markets. They’ll use this expertise to understand the nuances of your situation – and tailor a solution that works for you.


    With an average rating of 4.97/5 based on more than 1,800 reviews, we offer an exceptional client experience. We insulate you from the rigmarole of the mortgage process so that you can stay focussed on your day-to-day.

    Expert mortgage advice you can trust   | Speak with an expert now or Arrange a call back or

    What are the advantages of using a Lombard Loan?

    Lombard Loans offer several benefits that make them an attractive financing option for individuals or businesses with substantial financial assets. Here are some of the key benefits of Lombard loans:

    Access to liquidity

    Lombard Loans provide a way to access funds without having to sell your financial assets. Instead of liquidating your investments, you can use them as collateral to secure a loan.

    Assets remain invested

    Lombard Loans allow you to increase liquidity without having to sell securities, allowing you to take advantage of the increase in value and earnings from assets, and avoid potential significant tax charges.

    Diversification and risk management

    Instead of concentrating wealth in a single asset, funds can be accessed while keeping other investments intact and explore other investment opportunities outside of your current portfolio.


    A Lombard Loan is a fully flexible facility enabling drawdown and payback as required.

    What are the drawbacks of Lombard Loans?

    It’s important to consider the potential risks and drawbacks of Lombard Loans as well.

    The value of the collateral can fluctuate, and if its value falls significantly, the lender may require additional collateral or repayment of the loan. Defaulting on the loan can result in the lender selling the collateral, potentially causing a loss of assets.

    Lombard Loans have a loan-to-value limit to ensure the lender is protected against market volatility and securities value and absorbs any losses on their side.

    Before opting for a Lombard Loan, it’s crucial to carefully assess your financial situation, consider the terms and conditions of the loan, and evaluate the potential risks and rewards. Consulting with a specialist such as Private Finance can provide valuable guidance and help you make an informed decision. We will explain how Lombard Loans work and whether this is a suitable and feasible option for your requirements and circumstances.

    Private Finance