Securities Lending for Expat Investors
If a meaningful portion of your wealth sits in stocks, bonds, or a broader investment portfolio, you don’t necessarily need to sell to raise capital for a UK property purchase, a business opportunity, or any other significant need. Securities lending lets you borrow against your investments while remaining fully invested, avoiding a forced sale and the tax consequences that can come with it.
What Falls Under Securities Lending
This is a broad category covering several related but distinct lending structures, each suited to slightly different circumstances and asset types. We work with specialist lenders and private banks across the following:
- Stock Loans – borrowing against listed equities and diversified share portfolios
- Lombard Loans – flexible credit lines secured against a broader mix of equities, bonds, funds, and other assets
- Crypto-Backed Loans – lending against Bitcoin, Ethereum, and other digital assets
- Pre-IPO Loans – financing against shares in a private company ahead of a public listing
- Unlisted Stock Loans – lending against privately held or thinly traded equities
Get in touch with details of your portfolio and objectives, and we’ll advise you directly on which of these structures genuinely suits your circumstances.
Why This Matters for Expat Clients Specifically
Many expat clients hold substantial investment portfolios built up over years working overseas, often in currencies or jurisdictions that make quickly accessing cash through conventional means more complicated than for a UK-resident borrower. Securities lending offers a way to access capital without disturbing a carefully built investment position or triggering an unplanned taxable disposal.
How This Fits Alongside Our Mortgage Services
Securities lending is often used alongside, rather than instead of, conventional property finance – for example, funding a deposit through a stock loan while arranging a standard mortgage for the remainder of a purchase. Our High Value Mortgages and Private Bank Mortgages pages cover the property finance side of this kind of combined approach.
Get in touch with details of your portfolio and funding requirements, and we’ll help you understand which structure genuinely fits your circumstances.
