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Financing

Lombard Loans

Your cash flow needs to be taken care of without impacting your assets. It's like juggling fireballs without burning your fingers! Stay on top of the game while controlling the risk of unforeseen events with Lombard Loans.
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hero credit lombard
hero credit lombard
hero credit lombard

Unlock the value of your assets

Whether you want to invest, diversify your portfolio, or finance personal projects, you can use the value of your existing assets to access cash quickly and efficiently.

Piguet Galland & vous.

A flexible financing solution tailored to your needs

A Lombard Loan is a secure form of financing based on the value of your liquid assets such as securities, bonds, investment funds or life insurance policies. This loan solution allows you to obtain funds while retaining ownership of your assets, offering an attractive alternative to traditional loans.

Fixed advance

  • 3 to 12 months renewable
  • One-off payment
  • Interest rate, term and amount fixed in advance

Current account limit


  • Liquidity made available quickly
  • Your investment strategy is preserved
  • Flexible to meets your needs
  • Piguet Galland - abstract bull
    Piguet Galland - abstract bull
    Piguet Galland - abstract bull

    The advantages of Lombard loans

    This financing method offers borrowers numerous advantages, giving them quick access to cash while using their financial assets as collateral.

    • Flexibilité financière
      Financial flexibility

      A Lombard loan gives you greater financial flexibility by allowing you to access cash quickly without selling your assets. You can use the funds obtained to invest in new opportunities, finance personal projects or even for cash flow needs.

    • Conditions avantageuses
      Advantageous terms

      The interest rates applied to Lombard loans are generally competitive, as the loan is backed by your assets, which means you can obtain more favourable terms than unsecured loans.

    • Montant du crédit
      Loan amount

      The amount of credit granted depends on the value of the assets you pledge as collateral. The higher the value of your assets, the larger the potential loan.

    • Diversification de portefeuille
      Portfolio diversification

      Lombard Loans can also diversify your investment portfolio by increasing the value of certain assets without selling them.

    • Expertise et confidentialité
      Expertise and confidentiality

      By choosing a Lombard loan, you gain access to our wealth management professionals, who will assist in structuring the loan and managing your assets. Also, we prioritise the confidentiality and security of your financial information.

Flexibility

What can Lombard loans be used for?

Lombard loans allow you to meet your cash requirements quickly - cash is readily available in 48 hours - no need to visit a notary - no selling assets.

  • L'acquisition d'un bien immobilier

    Buying a property

  • Les travaux de rénovation dans votre maison

    Renovation work on your home

  • Les études de vos enfants

    Your children's education

  • Le rachat de votre caisse de pension

    Buying into your pension fund

  • Property 1=Investissements

    Investment opportunity tailored to your risk profile

Simulateur de crédit

Loan simulator

Our Lombard loan simulator allows you to explore various financing options, calculate available amounts, and understand the conditions and benefits of this secure loan.

  • Piguet Galland - abstract bulls
    Piguet Galland - abstract bulls
    Piguet Galland - abstract bulls

    Lombard loans & mortgage

    When it comes to financing projects or accessing liquidity through your assets, you often have a choice between a Lombard loan and a mortgage. Learn more about the key differences between these two types of financing.

    • Garantie des actifs
      Asset guarantee

      A Lombard loan uses the value of your liquid assets, such as securities, bonds or life insurance policies, as collateral. In contrast, a mortgage loan uses a property, usually your main residence, as collateral.

    • Flexibilité de l’utilisation des fonds
      Flexible use of funds

      A Lombard loan gives you greater flexibility in using the funds you borrow. You can use them to diversify your portfolio, invest in new opportunities or finance personal projects. Conversely, a mortgage is often explicitly intended for the purchase or financing of a property.

    • Montant du crédit
      Loan amount

      The amount of credit granted under a Lombard loan depends on the value of the assets pledged as collateral. In the case of a mortgage loan, the amount depends on the value of the property offered as collateral.

    • Taux d’intérêt et conditions
      Interest rates and conditions

      Lombard loan interest rates are generally competitive, as liquid assets secure the loan. On the other hand, mortgage interest rates can vary depending on market conditions and the borrower's financial situation.

    • Property 1=Conseil patrimonial
      Loan term

      The term of a Lombard loan is often shorter and can be adjusted to suit the borrower's needs. A mortgage, on the other hand, is generally taken out for a more extended period.

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We support you

Our financing experts

Lombard loans and mortgages are different financing solutions tailored to specific needs. The best option for you will depend on your financial objectives, asset situation, and ability to repay the loan. Our financing solutions experts will assess the solution that best suits your situation, goals and needs.

Property 1=Contract-Sign

Ready to unlock the true potential of your assets?

If you have any further questions or want more information on Lombard loans, please do not hesitate to contact our dedicated team, who will be delighted to help you.

Frequently asked questions

Learn more about Lombard Loan


A unique combination

Thanks to our unique blend of business expertise, our financial advisers can help you achieve all your life goals.

Investment

Investment

From investment advice to delegated portfolio management, we are dedicated to safeguarding your capital and securing its growth by identifying investment solutions that align seamlessly with your values, goals, and the assurance of peace of mind.

Wealth & pension advice

Wealth & pension advice

Bring vitality and success to your life projects by comprehensively analyzing your assets and optimizing their structure.

Financing

Financing

We offer various financing solutions for all your real estate projects, such as mortgages and Lombard loans.

Academy

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.

  • wealth_solutions Wealth solutions

    Build, grow, and preserve your wealth.

  • Pension_planning Pension planning

    All you need to know about pension planning for people and for businesses.

  • Financing Financing

    Financing options for your real estate project.

  • Investment Investment

    Resources to learn the fundamentals of investment or to specialize.