Portfolio Lending

Unlock your wealth

Portfolio loans designed for high net worth individuals

£300,000

Minimum yearly earnings required to qualify

£3m

Net worth in order to be eligible

A simple and cost-efficient way to borrow

  • Diversify your risk

    Take advantage of the opportunity to diversify your wealth using borrowed funds. You might, for example, want to purchase property, give your children a helping hand, diversify your existing investments or inject funds into your business.
  • Convenient access to funds

    Access funds without the need to sell any of your assets. Loans can be taken out in sterling, US dollars or euros. 
  • Transfers made simple

    To use the Investec Portfolio Lending service you need assets under our management. If your assets are currently managed by another financial institution, we can help facilitate the transfer as part of your Portfolio lending application.
  • Flexible payment terms

    Our flexible repayment terms give you the freedom to make overpayments.

A simple and cost-efficient way to borrow

Diversify your risk
Convenient access to funds
Transfers made simple
Flexible payment terms

Take advantage of the opportunity to diversify your wealth using borrowed funds. You might, for example, want to purchase property, give your children a helping hand, diversify your existing investments or inject funds into your business.

Access funds without the need to sell any of your assets. Loans can be taken out in sterling, US dollars or euros. 

To use the Investec Portfolio Lending service you need assets under our management. If your assets are currently managed by another financial institution, we can help facilitate the transfer as part of your Portfolio lending application.

Our flexible repayment terms give you the freedom to make overpayments.

Have a question you need answered?

Samy Latif

Private banker

If you’d like to know more about our portfolio lending services, or are interested in taking out a loan from us, click 'get in touch' to request a call back from one of our experts.

More information about our portfolio loans

Borrower type

You can use our Portfolio Lending service if you’re an individual, corporate or trust with assets under the management of Investec Wealth & Investment.

Security accepted

Discretionary and advisory portfolios are accepted. We can accept offshore bonds from third party bond providers where Investec Wealth & Investment acts as the discretionary asset manager.

Fees and charges

There are no early repayment charges but other fees may apply, depending on your circumstances. These may include legal fees, arrangement fees and costs that are associated with transferring your assets to Investec Wealth & Investment.

Facility types

Our facilities are provided on an on demand basis. You can pay back the loan in full at any time, and the loan has no fixed end date. However, Investec Private Bank may legally demand repayment of the loan at any time, for example where the agreed loan to value maximum is exceeded.

Interest payments

Our flexible repayment terms give you the freedom to make overpayments. You can choose to repay interest from the income earnt within your portfolio.

Frequently asked questions

Your questions about Investec Private Bank Portfolio Lending answered.
  • Already have an Investment Portfolio managed by Investec?

    Talk to your Investec wealth manager who can help you complete an application.

  • If I have a portfolio and a loan with another lender can I move my loan and portfolio to Investec?

    Yes. We can refinance your loan with the existing lender and help you transfer your portfolio over to Investec Wealth & Investment management. Your existing lender will need to provide us with a letter of undertaking (LOU) confirming that, following repayment of your loan, they will transfer all investments within your portfolio to Investec Wealth & Investment. The Portfolio Lending team can provide a draft of the LOU upon request. Please note, this process may affect the time it may take to complete the application process.

  • I’m an existing client; do I need to complete the application form?

    Yes. To apply for Portfolio Lending a completed application form is required. Occasionally additional information is required to complete the process (i.e. evidence of income) however we will ask your Investec wealth manager for this first.

  • What are the different ways I can pay the interest on the loan?

    Preferably through direct debit. However, you can also service interest payments from your investment account. We will remind you and your wealth manager prior to the interest due date in the case that you are not paying interest through direct debit. 

  • Can my Investec wealth manager continue to manage the portfolio in line with the existing investment policy?

    Yes, as long as the management type and risk profile remain unchanged.

  • How does Investec monitor portfolio values?

    The portfolio values are electronically monitored on a daily basis. You (or your wealth manager) do not need to provide us with any updates. Please note, if the loan is secured against an offshore bond, the offshore bond provider will need to give us approval to receive the daily value from Investec Wealth & Investment.

  • Who will be contacted if the loan is in margin call and/or close out?

    We will contact you and your wealth manager simultaneously. In the case of an offshore bond, the offshore bond provider will also be notified.