Borrow against your investments
Free up cash when you need it with a loan secured against your portfolio. Can't be used for investment purposes.
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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 really 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).
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.
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%.
Why borrow with Sidekick?
Our dedicated team is focused on maximising your wealth.
Liquidity
Borrow up to 40% of your investment portfolio.
Access
Access funds whilst retaining your investment returns.
Secured
Secured against your investment portfolio.
Loan calculator
See how much a loan can cost you.
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Any questions?
Quick answers to your top questions
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.
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 investments 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.
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.
Can I use the loan for investing?
Unfortunately not, the loan cannot be used for investment purposes.