Borrow

borrow against your investments

Free up cash when you need it with a loan secured against your portfolio.

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Can't be used for investment purposes

Why borrow with Sidekick?

Borrow up to 40% of your investment portfolio

Secured against your investment portfolio

Access funds whilst retaining your investment returns

Payments made from and into your nominated bank account

Representative APR

6.0% APR Representative APR (fixed). Based on a loan of £10,000 repayable over 24 months (two years) with an interest rate of 6.0% per annum (fixed). Monthly repayment of £443.21 and a total amount repayable of £10,637.04.

This representative APR applies to loans of £10,000 to £19,900 over 6 to 30 months. We offer loans from £1,000 to £60,000 with loan terms from 6 to 30 months. The maximum APR rate you could be offered is 8.0%.

FCA authorised and regulated

Investments custodied with FINRA regulated partner DriveWealth

Part of the Financial Services Compensation Scheme

Protected by bank-grade app security

Stay invested for the long term

  • It’s the compounding effects of investment returns over an extended period that makes the real difference.
  • Selling at the wrong time can impact returns.
  • A tax event can be created at point of sale which could put you at a disadvantage (please seek your own tax advice).
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Access up to 40% of your portfolio value in cash

Life plans or unexpected events might require us to sell investments for cash (such as home improvement costs, a holiday or a tax bill).

With Sidekick, you can access up to 40% of your portfolio value (subject to assessment). Please note that Sidekick loans can't be used for investment purposes.

Get startedDownload the app

LOAN CALCULATOR

See how much a loan can cost you.

How much would you like to borrow?
£5,000
How many months do you need to repay?
6
To borrow this amount, your portfolio must be valued at a minimum of £ (40% LTV)
Estimated monthly repayments:
£
In total, you’ll repay:
£
Calculated APR: %
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FAQs

YOUR QUESTIONS, ANSWERED

What is loan to value (LTV)?

We calculate the amount you can borrow as a percentage of your investment portfolio.  We call this the Loan to Value or LTV.
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The maximum LTV we allow is 40%.  For example, on an investment portfolio of £20,000 the maximum loan amount would be £8,000, subject to credit worthiness and affordability assessments.

What happens if the value of my investment falls?

If your portfolio value decreases and your loan to value (LTV) rises above 40%, you won’t be able to withdraw any funds from your investment portfolio.
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We will never ask you to add further funds to your investment to meet the 40% LTV.

If I have a loan, can I still add funds to my investment portfolio

Unfortunately, you won’t be able to add additional funds to your investment portfolio whilst you have an outstanding loan.  This includes one-off as well as recurring investments.

As soon as your loan is paid off, you can then restart your investments with Sidekick.

View all FAQs
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Important Information
Investing puts your capital at risk. The value of investments can go down as well as up, and you may get back less than you put in. If you’re not sure whether an investment is right for you, it’s best to speak to a qualified financial adviser.

Please note that the tax treatment of Sidekick products depends on individual customer circumstances and may be subject to change in the future. If you are uncertain about the tax implications of our products, you should contact HM Revenue & Customs (HMRC) or seek independent tax advice.

Regulatory Information
Sidekick Money Ltd is a company registered in England and Wales (No. 13882980). Sidekick Money Ltd is authorised and regulated by the Financial Conduct Authority (FRN 984829). Our address is 21-33 Great Eastern St, London, EC2A 3EJ.

Payment and e-money services (Non MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

Sidekick Money Ltd also provides investment management and lending services. These are separate and unrelated to the account and payment services you receive from The Currency Cloud Limited.

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