Important information
Investment backed lending may not be suitable for you if:
- you are using it for residential property renovation or improvements.
- you require any advice on the merits or suitability of the product for you.
- you rely on the income and capital from your investments and cash to maintain your standard of living.
You need to have over £500,000 in investments to be considered for investment backed lending at Coutts. When buying UK property, you must have spent at least 183 days in the UK during the last year.
We strongly recommend you seek your own independent advice if you are unsure whether this product is suitable for you. We also recommend that you seek tax advice as we do not provide tax advice.
Before you borrow against investments, you should understand these risks:
If the security you provide is insufficient to support the amount you have borrowed, you may be required to rectify the shortfall at short notice – this is referred to as a margin call.
If you borrow to purchase investments and these investments are themselves provided as security for your liabilities, your losses or gains could be magnified.
If your borrowing is in a different currency to the limit, fluctuating exchange rates could result in the limit being exceeded and you may be required to rectify the shortfall at short notice – this is referred to as a margin call.
Investment values can fall as well as rise, your capital is at risk.
The final decision whether to proceed must be your own and in making your decision you should carefully consider the comparison between borrowing costs and potential investment gains/losses. Lending against investments must not be used for residential property renovation or improvements. Security is required. Over 18s only.
Find out more about using investment backed lending for property with Coutts
And if you'd like to discuss this in more detail, please speak to your private banker.
