Lombard Loans & Back to Back Mortgages in France

Unlocking the Potential of French Lombard Loan

Considering financing options for your property investment in France? Explore the possibilities of Lombard loans and back-to-back mortgages. At Worldwide Property Co, we understand the intricate landscape of international property transactions. Let’s delve into the realm of Lombard financing and how it can optimise your investment strategy.

What is a Lombard Loan?

A Lombard loan is a secured loan where the borrower pledges assets, such as a share portfolio or cash deposit, as collateral. In return, the lender provides a loan, allowing the borrower to access funds without liquidating their assets. This financing option offers flexibility and can be particularly advantageous for property acquisitions in France.

Can I Get a Lombard Loan from a French Bank?

Yes, French banks offer Lombard loans to eligible applicants. Leveraging your assets, you can secure financing for your property purchase without compromising your investment portfolio. Although, some French Banks offer Lombard loans we usually tend to negotiate with international private banks, such as the ones in Monaco. After transferring your assets across, you may be eligible to combine a Lombard loan and mortgage to finance your property.

The Difference Between Lombard Loans and Mortgage Loans

While both Lombard loans and mortgage loans serve as mechanisms for property financing, they differ in fundamental aspects. A Lombard loan utilises assets as collateral, enabling swift access to funds with favourable interest rates. On the other hand, mortgage loans involve borrowing against the property itself, typically requiring extensive documentation and a longer processing period.

Advantages of Lombard Loans

The advantages of Lombard financing lies in their flexibility and efficiency. By leveraging existing assets, borrowers can expedite property acquisitions without depleting their investment portfolios. Additionally, Lombard loans often offer lower interest rates compared to traditional mortgage loans, making them an attractive financing solution for savvy investors.

Risks of Lombard Lending

While Lombard loans offer compelling benefits, prudent consideration of associated risks is essential. Market fluctuations and changes in asset values can impact the loan-to-value ratio, potentially necessitating additional collateral or loan adjustments. Our team conducts thorough risk assessments to ensure informed decision-making regarding Lombard lending.

Experience Tailored Mortgage Advisory Services

Ready to start your international property journey? Worldwide Property Co offers bespoke mortgage advisory services tailored to your unique needs. From exploring financing options to navigating legal complexities, our expert team provides comprehensive support at every stage of the process. Let us empower your overseas property investment endeavours.

Contact us today to unlock the potential of Lombard financing and back-to-back mortgages in France.

Disclaimer: The information provided is for information purposes only and does not constitute financial advice. Borrowers should consult with a qualified financial advisor before making any investment decisions.