Lombard lending

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).
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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.

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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.
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%.

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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Any questions on borrowing?

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.
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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 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.
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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.

Can the loan be used for investment purposes?

Unfortunately not, the loan cannot be used for investment purposes.

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Ready to take the next step on your wealth journey?

Join Sidekick and access expert-led investments and savings designed for people serious about growing their money.

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When investing, your capital is at risk.
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