Portfolio Bond Lending
Optimise cash flow with a loan against your portfolio bond
A continuing loan facility available in pounds sterling or US dollars that gives you the flexibility to unlock the cash value of your international portfolio bond. Speak to your Relationship Manager or Independent Financial Advisor (IFA) about this exclusive offering.
Specialised lending meets versatility in this continuous facility that can be used to optimise your portfolio, or release equity as a personal loan.
£
150,000
Minimum loan
£150,000 (currency equivalent)
Minimum loan
Unlimited (reviewed annually)
Long term
1% of loan amount
*
Arrangement fee
1% of loan amount
*
Arrangement fee
GBP, USD
Supported currencies
*
1.50% for cross currency facility
*
1.50% for cross currency facility
Benefits of a Portfolio Bond Loan
Reinvest capital
Fully leverage your qualifying life portfolio to optimise your investment potential
Equity release
Borrow up to 50% of your life portfolio value for equity release as personal loan
Flexibility
Settle quarterly interest with regular portfolio withdrawals or commit six months’ interest cover
By invitation
Available to clients advised and introduced by our Relationship Managers or approved IFAs
How it works
- When reinvesting capital you can access the full initial investment or current market value of a portfolio, whichever is lower
- When releasing equity as a loan you can access up to half the full initial investment or current market value of a portfolio
- This is a continuing facility, subject to annual review until cancelled by lender or borrower
- Your portfolio must be sufficiently diversified and assessed as a moderate risk or lower
- A 0.25% continuing loan charge is levied every three years, 0.50% for cross-currency facilities
- The one-off arrangement fee attracts a further 0.50% surcharge for cross-currency facilities
- Interest is charged quarterly in arrears
See Portfolio Bond Loan fact sheet
How to get it
- Hold a qualifying investment portfolio with an approved life company
- Speak to your relationship manager or IFA
-
How it works
-
How to get it
- When reinvesting capital you can access the full initial investment or current market value of a portfolio, whichever is lower
- When releasing equity as a loan you can access up to half the full initial investment or current market value of a portfolio
- This is a continuing facility, subject to annual review until cancelled by lender or borrower
- Your portfolio must be sufficiently diversified and assessed as a moderate risk or lower
- A 0.25% continuing loan charge is levied every three years, 0.50% for cross-currency facilities
- The one-off arrangement fee attracts a further 0.50% surcharge for cross-currency facilities
- Interest is charged quarterly in arrears
See Portfolio Bond Loan fact sheet
- Hold a qualifying investment portfolio with an approved life company
- Speak to your relationship manager or IFA
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