Lombard Lending

• Access cash without selling your investments
• Maintain market participation and dividend benefits.
• Fast execution, liquidity often available in 24–72 hours
• Flexible structuring and repayment
• Ideal for short-term opportunities or bridging liquidity gaps

For UAE-based clients purchasing properties in Europe, Lombard lending enables you to bypass lengthy mortgage processes and secure assets quickly. For international clients investing in the UAE, it offers a tax-efficient and discreet funding method that avoids triggering asset disposal.

Typically, lenders offer up to 50–60% of your portfolio value, depending on:

• Liquidity of the assets
• Portfolio diversification
• Currency and jurisdiction
• Overall concentration risk

Highly diversified A-grade portfolios may achieve higher LTVs.

Rates are negotiated individually and depend on:

• Asset class used as collateral
• LTV requested
• Borrowing currency
• Lender margin

Typical UHNW pricing ranges from 1% to 5%, often significantly lower than traditional borrowing rates.

Because underwriting is based on securities, not income, decisions are made quickly.

• Initial indication: same day
• Credit line activated: 24–72 hours

This speed is particularly attractive when acting as a cash buyer on property acquisitions.

The primary risk is a margin call, when portfolio value drops and the lender requires:

• Additional securities pledged, or
• Partial repayment of the loan

Enness structures facilities to minimise this by negotiating:

• Conservative LTVs
• Buffer thresholds
• Flexible replenishment clauses

Most private banks do, but typically only against “standard portfolios.”

Enness accesses:

• Tier-1 private banks
• Boutique investment banks
• Non-traditional lenders that take more complex securities

This enables UHNW clients to finance opportunities that mainstream banks decline.

Yes, and it's one of the most common uses.

• UAE buyers financing London, Monaco, Switzerland, and Portugal
• International investors financing Dubai, Abu Dhabi, DIFC

Lombard lending positions you as a cash buyer, making negotiations easier.

• ​​​​​​Single or multi-line stock portfolios
• Bonds
• Funds (including managed portfolios)
• Structured notes
• Some life insurance contracts with surrender value

Yes. Securities are transferred to the lender’s custodian account, but you retain:

• Ownership
• Investment benefit
• Capital upside

Enness manages the process to ensure smooth movement and minimal disruption.

We manage everything:

• Structuring and lender negotiations
• Presentation to private banks
• Term sheet comparison
• Coordination of legal + custodian transfers

You receive a single point of contact throughout execution.