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Portfolio Bond Lending

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Speak to your financial advisor or relationship manager about releasing equity by lending against an existing life company investment portfolio.

Benefits of portfolio bond loan

No fuss

Get a loan against an eligible life company investment portfolio

Convenience

An unlimited loan term offers flexibility and an easy way to release equity

Loan to value

Access 50% of portfolio value for equity release, or 100% for reinvestment

Open ended

The loan facility can be rolled over, subject to an annual review by the bank
How it works
  • You can borrow against the full initial investment or current market value of a portfolio
  • Available for reinvestment or equity release
  • The portfolio must be invested on a diversified basis and be assessed as a moderate risk or lower 
  • A continuing loan charge of 0.25% is levied every three years, 0.50% for cross currency facilities
  • Interest 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 financial advisor
  • How it works
  • How to get it
  • You can borrow against the full initial investment or current market value of a portfolio
  • Available for reinvestment or equity release
  • The portfolio must be invested on a diversified basis and be assessed as a moderate risk or lower 
  • A continuing loan charge of 0.25% is levied every three years, 0.50% for cross currency facilities
  • Interest 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 financial advisor
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