Most of us need additional liquidity at some point to cover short or medium-term needs. You may be exploring a new business opportunity or have your eye on your next property. Using your existing portfolio as collateral for a Lombard loan can keep interest costs down. Giving you a cost-effective solution as well as the flexibility you require.
We offer bespoke and flexible financing solutions with competitive Lombard loan rates to our clients. We also ensure full transparency on costs so you know where you stand, and you'll only pay interest on what you borrow.
Choose the best fit for convenient, attractively priced credit.
Securing your borrowing against eligible investments in your portfolio means your interest charges may be significantly lower than with unsecured forms of borrowing. Collateral that we generally consider includes (but is not limited to) equities traded on major global stock markets, investment funds, corporate and government bonds and UBS cash deposits.
Keep your existing assets and be flexible
Avoid having to sell any of your existing portfolio while enjoying quick and simple access to funds.
Tailor your borrowing in multiple currencies
We'll tailor your loan amount, currency, and timeframe according to your needs. Our credit options are also available in all major currencies to match your needs.
Pay interest only on what you borrow
Interest will be calculated on your daily loan balance and charged either every three months or six months, as agreed. You also have the option to capitalize your interest if eligible, meaning you may be able to add it to the loan amount.
Enjoy full transparency
All costs associated with your loans are clearly defined up front so you know exactly where you stand.
Risk considerations
Risk considerations
The price and value of investments and income derived from them can go down as well as up. You may not get back the amount originally invested. Currency and interest rate changes can significantly reduce expected returns and asset values. If the value of your securities against which a loan is secured falls below a certain limit, you may be asked by UBS to furnish additional collateral or to repay the loan in part or in full. If you are unable to meet this obligation UBS may liquidate some or all of the investments used to secure the loan.
UBS Europe SE, Luxembourg branch
