key information.

  1. 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. 

  2. 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. 

  3. Although Lombard Loans can allow you to leverage your investment, improve returns and diversify your portfolio, please note that this strategy is not suitable for everyone. It requires an in-depth knowledge of markets and must be approached with caution. Leveraging portfolios carries a multiplied level of risk: market falls can considerably reduce the value of your investments, requiring you to provide new collateral, and also potentially increasing the cost of the loan over time.
     
  4. Should you want to re-invest the proceeds of a loan into your portfolio, please note that it can multiply potential returns and it can also multiply losses.  This strategy is not suitable for everyone. It requires an in-depth knowledge of markets and must be approached with caution. Leveraging portfolios carries a multiplied level of risk: market falls can considerably reduce the value of your investments, requiring you to provide new collateral, and also potentially increasing the cost of the loan over time.
     
  5. You can broaden your investment horizons using credit but these investments can bring losses and this strategy is not suitable for everyone. It requires an in-depth knowledge of markets and must be approached with caution.
     
  6. Credit can be used to improve the structure of your wealth from a tax perspective but it can bring losses and this strategy is not suitable for everyone. It requires an in-depth knowledge of markets and must be approached with caution.
     
  7. By taking a loan against a life insurance policy, for example, you can avoid any partial redemption of the policy that would lead to the taxation of unrealised gains. But this may vary by country. Please consult your relationship manager for more details.
     
  8. If you decide to borrow against assets as opposed to selling them, capital gains tax can be deferred but this strategy is not suitable for everyone. It requires an in-depth knowledge of markets and must be approached with caution. Leveraging portfolios carries a multiplied level of risk: market falls can considerably reduce the value of your investments, requiring you to provide new collateral, and also potentially increasing the cost of the loan over time.