Secure a Short-term Loan Against Your Assets Today.
Up to £1,000,000 - Up to 70% Equity Release - Monies Immediately

Secure a short-term loan up to £1,000,000 - up to 70% equity release (90% on sold auction lots) using your estate's assets as sole collateral and secure a short-term acquisition loan to purchase assets at auction or private sale for up to 50% of the value of your intended purchase. Acquisition loans if used for investment or business purposes are U.K. tax-deductible.

As an investor in or collector of, fine art, antiques, fine wine, antiquities, classic or vintage cars and other collectables, as well as having a residential, investment or commercial property and land portfolio, you probably have tremendous equity locked up in your estate.

When it becomes time to unlock that equity, with a short-term loan against your assets (without risk to your credit rating) for up to 70% of their value, or with a loan against your property and land (LTV up to 70%), using them as sole collateral, you do not have to sell any part of your estate, to create liquidity.

Using assets as collateral for a loan instead of selling them, helps maintain over time, any increase in their value and eliminates significant sales transaction costs.

Should you wish to sell your assets whilst under contract, they can remain on sale at your preferred, reputable gallery, auction house, dealership (cars, marine vessels, light aircraft) or other retail outlet.

You can also showcase your collection in private, to prospective buyers or other nominated third parties, by booking one of our private viewing rooms.

Increase your asset class portfolio and achieve longer term allocation with tax-deductible, investment loans against the underlying value of items you wish to acquire at auction or private sale but have limited funds with which to complete purchase.

There are no monthly payments and there is nothing repay until the end of the loan term (up to seven months for asset loans, twelve - thirty six months for property loans).

You can renew loans by paying the due interest only at the end of the loan term. All loans may be redeemed early without penalty.

Take advantage of a loan against your assets to avoid any capital gains tax that currently applies to UK property and many collectables.

Typical Taxable Personal Assets

Personal possessions that may be liable to Capital Gains Tax when you sell or dispose of them include:         

• paintings
• antique furniture
• coins and stamps
• jewellery
• sets of collectables and books

Types of Property Liable

A rented property that you have never lived in, a second home, business premises such as a shop or farm and land such as agricultural land.

What is Capital Gains Tax?           

Capital Gains Tax is a tax on the profit or gain you make when you sell or otherwise dispose of an asset. You usually dispose of an asset when you cease to own it, e.g. if you sell it, give it away as a gift, transfer it to someone else or exchange it for something else.
For example, should you make a gift of a valuable painting to your children, you will need to understand if there is any Capital Gains Tax to pay on the disposal of the painting at that time.

When coupled with inheritance tax, should you inherit, the amount owed to HM Customs and Excise, with a sale of your assets, can all but eliminate the majority of its value in one generation.

That's before selling costs, which can be as high as thirty percent of the value of the assets sold, without taking into consideration the time taken to market and sell them or the time needed to complete the sale transaction.

This combination can make it very expensive and time consuming to sell, especially if the collection was gifted before succession.

Faced with estate taxes that must be paid within a short time-frame, executors frequently face liquidating collections and investments quickly. However borrowing funds to pay estate taxes and administration costs, makes it possible for you to maximise the value of your estate by selling the assets over time and avoid a 'fire sale'.

*Loans against property and land are subject to credit checks.

Short-term Loan Terms

Short-term loans are typically for up to seven months, but dependant upon your requirements can be tailored to suit.

There is nothing to repay until the end of the loan term. You can renew the short-term loan simply by paying only the interest due at the end of the term. You may redeem the short-term loan early without penalty or extra charges being incurred.

How to Secure a Short-term Loan Today

Call us now on: 0800 917 6894 or +44(0)1932 859 880

• discuss your requirements and details of your trusts and estates in confidence with our short-term loan arranger
• a short-term loan will be offered to you
• accept loan offer and upon receipt of your assets or securing a charge (first or second) on your , we will advance funds to you immediately by bank transfer, cheque or cash. Monies can be transferred to any country, in any currency at Spot Rate.