For high-net-worth individuals

Portfolio lending

Achieve your version of success with a portfolio loan, tailored to your needs.

Our Portfolio Loans are designed to offer a swift, flexible and cost-efficient way to borrow against your investments.

To take out a Portfolio Loan, your investment portfolio must be under the management of our partner Rathbones.

Not a Rathbones client? Become a client

Flexible, fast and cost-efficient access to capital

Raise funds without liquidating your portfolio

Selling portfolio assets in order to access the liquidity you need may trigger a tax change. With a portfolio loan you could take advantage of the freedom to access funds without selling your existing assets.

Straightforward servicing

Loan interest is payable on a quarterly basis by direct debit.

Fast and Convenient funds

The faster you can react, the better. Once we have received all the requested information, you'll get a prompt decision regarding your loan application. Funds can be drawn down in sterling, US dollars or euros.

Simple transfers

If your assets are managed elsewhere, your Private Banker will work closely with Rathbones Investment Management Limited to help ensure a smooth transfer of your assets sources.

Flexible repayment terms

You can choose when you repay your loan - there are no early repayment charges. However, Investec may legally demand repayment of the loan at any time, for example where the agreed loan to value maximum is exceeded. Your private banker can explain this in more detail.

Raise funds without liquidating your portfolio

Straightforward servicing

Loan interest is payable on a quarterly basis by direct debit.

Fast and Convenient funds

Simple transfers

If your assets are managed elsewhere, your Private Banker will work closely with Rathbones Investment Management Limited to help ensure a smooth transfer of your assets sources.

Flexible repayment terms

What you need to consider when applying for Portfolio Lending

Margin call and close out call

On-demand loans

Portfolio value fluctuations

Margin call and close out call

If the value of your portfolio falls below the limit agreed we may make a margin call or close out. A margin call requires you to return your loan to the approved borrowing levels by either:

Depositing additional funds into your portfolio; or
Making a partial repayment to reduce your loan amount.

A close out requires you to repay your loan in full.

On-demand loans

All of our portfolio loans are on demand loans - we can request the immediate repayment of your loan at any time, irrespective of the value of your portfolio.

Close out and on-demand requests for repayment of your loan can be settled by us selling the investments in your portfolio, even if the timing of the sale will not realise the best price for your investments - so you should be clear that the product is for you.

If your loan is secured against offshore bonds, we will notify your offshore bond provider of the margin call or close out, and the instruction to sell investments within the bond will be given by the bond provider to Rathbones Investment Management Limited.

Portfolio value fluctuations

The value of your portfolio may go up or down which can impact your loan terms. A reduction in the value of your portfolio can:

Affect how much you can withdraw from your portfolio; and
Affect your borrowing levels by triggering a margin call or a close out.

Request a call back

If you want to hear more about Portfolio Loans or our full private banking offering, get in touch.

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Frequently asked questions

Your questions about Investec Private Bank Portfolio Lending answered.

Already have an Investment Portfolio managed by Rathbones?

Talk to your 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 Rathbones?

Yes. We can refinance your loan with the existing lender and help you transfer your portfolio over to Rathbones. 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 Rathbones. 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.

Can my Rathbones 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 Rathbones.

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.

How can I use the loan?

The money you borrow can be used for any legal purpose. Examples of how a loan has been used by other clients include:

Buying investment property
Buying a yacht
Reinvesting assets into the portfolio
Private equity investments.

Rathbones services

To take out a portfolio loan, your investment portfolio must be under the management of our partner, Rathbones. Find out more about their Investment Services.