lombard loans.

what is a lombard loan?

A Lombard Loan is a fixed loan or agreed overdraft granted against a pledge of liquid assets such as equities, bonds or investment funds, up to a certain percentage of their value.

the history of lombard loans

where to start.

We understand your needs are unique. So, if you are interested in taking out a Lombard Loan, get in touch with your relationship manager. They and our credit specialists will devote the time needed to understand your personal situation, so that we can offer you a solution that is best suited to your needs. Loan availability will depend on your financial situation and assets held with us. It will also depend on your investment knowledge, experience, and on the purpose of the loan.

liquidity management.

Tailored support at every stage of your life.

We offer an individual and holistic wealth management approach that takes into account both your assets and liabilities.

Our loans can help you get projects off the ground, or finalise work you have underway. They can provide attractive opportunities to diversify your assets, or they can make your wealth structure more tax-efficient.

Our loans are underpinned by our prudent risk policy. We lend conservatively, based on a measured assessment of the type and value of collateral provided – giving you peace of mind during adverse market movements. 

realise your aspirations.

Lombard loans can help you:

  • Get projects off the ground or finalise work you have underway
  • Finance lifestyle purchases (e.g. boats, property or art)
  • Obtain short-term liquidity

Once you’ve been accepted for a credit facility, you can obtain cash at any time, without having to divest your portfolio or amend your long-term investment choices. That means you can finance lifestyle purchases or get projects off the ground, without having to tie up assets in cash to have immediate access to liquidity.  You can implement your own cash management strategy and promptly seize opportunities that come your way.

diversify your investments.

Lombard Loans can help you:

  • Invest a larger portion of your assets, with a view to improving portfolio performance.
  • Diversify assets, seize new investment opportunities, and broaden your investment horizons.


find out more

preserve your capital.

Better estate and succession planning

Lombard Loans can help you:

  • Improve the efficiency of your wealth planning
  • Benefit from our prudent approach to risk
discover more about preserving your capital

fixed term loan base rates (%).

We are transparent and we want to make sure you have all the information you need before you draw or renew your fixed term loan with us.
You can find out the base rates applicable here.


discover more about our loan base rates

what you need to know.

In regards to Lombard Loans helping you finance lifestyle purchases, Lombard Odier may lend to enable you to buy a property. In the EU, this lending is restricted and governed by the EU Mortgage Credit Directive, and local country-specific regulations may also apply.

If you have been accepted for a credit facility, it is possible to obtain cash at any given time but this is subject to the bank's acceptance and you meeting the necessary criteria. Your relationship manager will assess your financial position and discuss the options available to you.

read the key information

get in touch.

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