Explore our lending services
From borrowing against your investment portfolio to accessing specialist banking solutions through our trusted partners, our lending services are designed to help you unlock liquidity when needed – without unnecessarily disrupting your long-term investment plans.
Our lending is always secured against assets we manage for you, and is tailored to your needs.
Our approach to lending
Portfolio secured lending
If a short or medium-term cash flow requirement arises, clients can borrow against the value of their portfolio and avoid the need to sell their investments.
- Borrow up to 50% of the value of your discretionary investment portfolio (GIAs, ISAs, or offshore bonds not held in trust)
- Minimum loan value: £50,000
- Initial term available: 1-10 years
- Repayment method: interest-only, payable quarterly in arrears
- Currencies available: GBP, USD, EUR, CHF
- Flexible loan-to-value (LTV) may be available, meaning the amount you can borrow can vary depending on your circumstances
- Not available to borrow against Self-Invested Personal Pensions (SIPP) or execution-only portfolios
How loans are secured
Portfolio secured lending is secured against the value of your investment portfolio.
As with any investment, the value of your portfolio can fall as well as rise. If the value of your security falls, you may need to reduce your borrowing or provide additional security to remain within agreed limits. In some cases, assets may need to be sold to bring the loan back within those limits.
Lending criteria
Understand the key requirements for borrowing with Rathbones, so you know exactly what to expect before applying.
Who can borrow?
- Individuals, charities, companies, trusts, and estate accounts (for IHT costs only) who are existing clients of Rathbones.
- For some clients – such as trusts, companies or charities – we can only lend where their governing documents (for example, a trust deed or company articles) allow them to borrow. This is to ensure the loan is legally permitted.
Who cannot borrow?
- EU residents
- Offshore bond holders if the bonds are held in Trust
- Someone wanting to borrow against a SIPP
- Someone wanting to borrow against a Rathbones execution-only portfolio
What can funds be used for?
- Property purchase, development, renovation or refurbishment, including bridging finance
- Gifting deposits
- Re-financing
- Business cashflow or to seize investment opportunities
- School or care costs
- Tax bills, including IHT (paid directly to HMRC)
What are funds not permitted for?
- You cannot use the loan to invest more money into your Rathbones investment portfolio
Our banking license
We're authorised to lend securely
Our banking licence means we are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority to provide lending services directly to clients. This gives you:
- Confidence: we meet strict capital and risk standards, just like major UK banks
- Convenience: lending is integrated with your investment management under one trusted relationship
- Compliance: all loans follow UK regulatory requirements, including affordability checks and annual reviews
Our strategic partner
Additional banking and lending services with Investec
For clients whose needs go beyond Rathbones’ lending facilities, we can introduce you to Investec Bank plc, our strategic partner.
Investec offers a comprehensive suite of specialist banking and lending solutions for high-net-worth individuals and businesses.
Through Investec, you can access:
- Private bank accounts
- Savings accounts
- Foreign exchange and currency access accounts
- Mortgages (residential, buy-to-let, commercial, revolving)
- Portfolio lending (including multi-currency drawdowns)
- Offshore banking and lending
- Corporate solutions including asset finance, corporate finance, treasury, risk management, broking, IPO advisory and working capital.
Eligibility for Investec’s private banking services typically includes:
- UK residency (with some exceptions for clients with broader Investec relationships)
- Minimum annual income of £300,000 and net assets of £3 million
See what our clients think of our services
Get started
To discuss your lending needs, please contact your Rathbones relationship manager or complete the questions below.