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Lombard lending

Open a line of credit using your WorldTrader investments as collateral.

Unlock the value of your investments

Lombard lending lets you use your WorldTrader investment holdings as collateral. It means you can access a revolving line of credit in USD to spend or reinvest without selling your assets.

You can boost your investment buying power using eligible collateral, subject to our advance ratios applied to the collateral and your credit limit. For example, with an advance ratio of 67%, you can leverage up to 3 times the value. T&Cs apply.

Why choose our Lombard credit facility?

Portfolio-based lending

Benefit from a wide range of eligible collateral, including mutual funds, bonds, equities and ETFs.

More opportunities

Get increased buying power to spend or reinvest without liquidating your portfolio.

Reduced costs

Enjoy no set-up fees and competitive interest rates.

Easy to use

Enjoy secured borrowing with online forms and quick approvals. You can see your buying power in the WorldTrader app.

More benefits

  • Flexible repayments
    Choose when and how much you pay back, with no fixed repayment schedule.
  • Boost investment power
    Increase your portfolio's growth potential using the value of your current investments.
  • Release funds more easily
    Use a wide range of eligible collateral, with indicative advance ratios of up to 50-80% of your portfolio’s value.
  • Only pay for what you use
    Pay interest every month, calculated daily based on the amount used.

How it works

Your Lombard lending facility will be set up on your USD investment funding account. Your credit limit is subject to our credit assessment and the assets pledged.

Using the facility for cash 

Using the facility to invest 

Using the facility for leveraged investments 

Things to know

Who can apply?

You can apply for Lombard lending if you:
  • Hold an HSBC Premier or Private Bank account with a total relationship balance of at least USD 250,000
  • Have an investment account in WorldTrader
  • Are aged 21 to 74 years
  • Are a resident of UAE or another eligible country
  • Have financial knowledge and experience
  • Have leverage financing knowledge and a high tolerance to significant losses, especially if the facility is being used for leverage
  • Have a valid e-mail address and mobile phone for margin call and post forced sale notifications

How is interest charged? 

Key risks 

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Ready to apply?

Already registered with WorldTrader?

Please contact your relationship manager through the HSBC UAE app or online banking to set up a Lombard lending facility.

Not registered with WorldTrader?

To open an HSBC WorldTrader account, log on to the HSBC UAE app and select 'Wealth' then 'Open accounts now'.

New to HSBC? 

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