Leverage your physical gold holdings to access rapid, private capital.
Neville Montagu offers a specialised direct-lending facility that allows sophisticated investors, expatriates, and corporations to unlock capital from their existing gold holdings without selling their long-term strategic assets.
Unlock Liquidity, when you need it.
Why Borrow Against Your Gold?
Access liquidity without surrendering your inflation hedge. Our Gold Collateral Loans allow you to bypass the invasive, slow underwriting of traditional banks.
Selling physical gold to raise cash frequently triggers unwanted capital gains taxes and strips your portfolio of its foundational safe-haven asset. By leveraging your gold through our private facility, you retain full ownership and future upside potential while securing the fiat liquidity you need today.
No Credit Checks or Income Verification: Decisions are based entirely on the live market value of your physical gold. Your gold is your credit.
Ultimate Flexibility: Lending terms range from 3 to 60 months. We charge absolutely zero pre-payment penalties, allowing you to settle your loan early when your liquidity is restored.
Absolute Privacy & Security: Your collateral is fully insured, authenticated, and securely stored in Tier-1 vaulting facilities in London, Zurich, or equivalent global hubs.
Key Facts: Gold Loans
What is this product?
Neville Montagu enables sophisticated investors to unlock capital from their existing bullion holdings while maintaining long-term exposure to precious metals.
Through our associated companies and partners, clients can obtain gold loans, also known as Lombard Loans and collateral loans.
This service is designed for international high-net-worth individuals, professional investors, family offices, trusts, and corporations seeking flexible, asset-backed financing solutions.
Unlike selling your Gold, which may crystallise tax obligations or compromise long-term strategy, our facility enables you to access short- or medium-term finance while your Gold Bullion remains securely stored, fully allocated, and professionally insured.
Global Access
This facility is available to clients in most jurisdictions, subject to local laws and international compliance checks.
Minimum / Maximum Loan
Minimum loan: £50,000
Maximum Loan-to-Value (LTV): 75% of bullion value (40% Silver).
- LTVs are based on internationally recognised spot prices and reviewed throughout the Gold Loan term.
Collateral Requirements
Investment-grade gold or silver (bars only). Silver must be purchased through our store; we do not accept transferred silver bars.
Gold Bullion must be either purchased through our store or transferred to one of our vaults for verification and storage
You retain ownership, but the metals are immobilised during the loan
- Collateral is stored in approved vaults meeting international standards for security, insurance, and auditing. We use a number of locations worldwide.
Interest and Fees
Rates are fixed at the time of your agreement. Additional fees may apply for vaulting, authentication, or arrangement.
Key Risks
If Gold prices fall, you may receive a margin call requiring additional collateral or partial repayment.
Failure to meet margin calls or repay the Gold loan may result in the sale of your metals.
You may receive less from a forced sale if markets are volatile.
Repayment
Repay the loan in full by the agreed maturity date. Once repaid, your metals are released from lien and may be withdrawn or stored.
Legal & Regulatory Note
Neville Montagu offers a specialised liquidity facility for clients who wish to unlock capital from their existing gold and silver holdings while retaining long-term ownership potential. This service is designed for experienced investors, family offices, trusts, and corporations seeking flexible, asset-backed liquidity solutions.
Interest and Fees
Rates are fixed at the time of your agreement. Additional fees may apply for vaulting, authentication, or arrangement, all disclosed up front.
| Feature | Lombard / Collateral Loan | Leveraged Gold Bullion Portfolio |
|---|---|---|
| Minimum Loan | £50,000 (Max Loan: $300m) | 2.5 times Investment. For example, £100,000 net can be leveraged to a Gross portfolio of £350,000 |
| Is a Credit Check Required? | No | No |
| Maximum LTV | 75% | 2.5 times |
| Approval Speed | Fast, 2 weeks on average. | Normally, 2 weeks. |
| Collateral | Gold/Silver | LBMA Gold Bullion |
| Privacy | High | High |
| Use of Funds | Any legal purpose | Purchase of Gold Bullion only |
Fees 2026.
| Admin & Storage fees | 0,36% per annum. | 0,36% per annum. |
| Setup fee | 0.5% (Payable on drawdown) | 0.5% Payable on (Drawdown) |
| Loan terms | Minimum term 6 Months. Maximum term 5 years. | Minimum term 3 months, Maximum term 5 years) |
Interest Rates
| Annual Percentage rates from 5% to 7% p.a. |
Transparent Rates and Fees
We believe in absolute clarity. There are no hidden setup fees or complex monthly instalment pressures.
Interest Rates: Facilities under USD $500,000: 7% p.a.
Facilities USD from $500,000 to $2m: 6% p.a.
Loans above $2m rates are fixed at 5%p.a
- Storage & Security: 0.36% p.a. in our fully insured, audited Tier-1 vaults.
- Payment Structure: For maximum simplicity, interest and storage fees are charged yearly in advance (deducted from the initial loan advance or paid upon annual renewal).
Fast, Confidential Application Process
Valuation & Logistics: Transfer your investment-grade gold to our approved vaulting facilities (transit and assay fees may apply for external gold). If you purchase directly through the Neville Montagu Bullion Store, valuation is instant.
Agreement: Review and sign your tailored lending agreement based on your chosen term (3 to 60 months).
Disbursement: Receive your capital via secure wire transfer. Standard Know Your Client (KYC) and Anti-Money Laundering (AML) checks are required to prove identity.
Be aware of the risk
Available exclusively to Professional, High-Net-Worth, and Corporate Clients. (Not available to retail consumers).
Neville Montagu offers a specialised liquidity facility strictly on a private, wholesale basis. We do not provide consumer loans, retail credit, or regulated lending. This facility is offered only to clients who qualify as Professional Investors or High-Net-Worth Entities under applicable local regulations.
Market Volatility: The value of gold may go down as well as up. LTVs are reviewed throughout the facility term.
Margin Calls: If falling metal prices cause your LTV to exceed our margin threshold (typically 85%), you will receive a margin call requiring you to deposit additional collateral, make a partial cash repayment, or authorize the liquidation of a portion of your metals to right-size the loan.
Forced Liquidation: Failure to meet a margin call or repay the loan at maturity may result in the forced sale of your metals. You may receive less from a forced sale if markets are highly volatile.
Unregulated Product: This product is not regulated by the Financial Conduct Authority (FCA) in the UK or by any retail financial regulator internationally.
Suitability: Borrowing against precious metals is a sophisticated strategy and may not be suitable for all investors. We strongly encourage all clients to seek professional independent financial and tax advice before proceeding.
Jurisdictions: This service is not available to persons or entities located in sanctioned or blacklisted jurisdictions.
Frequently Asked Questions
Preserve Your Wealth, Unlock Your Capital
Physical precious metals are the bedrock of a resilient portfolio. When you require immediate liquidity for new investments or capital expenses, you shouldn’t have to sacrifice your hard assets. We deliver tailored, highly secure financing that allows you to unlock capital while keeping your collateral safely vaulted.
Regulatory Note: This private, asset-backed facility is designed exclusively for experienced investors, high-net-worth individuals, family offices, trusts, and corporate entities. Neville Montagu does not offer consumer loans, retail credit, or regulated lending services.
At Neville Montagu, we provide a specialized liquidity facility that allows you to unlock capital from your physical gold while retaining full ownership and future upside. This service is designed expressly for experienced investors, family offices, trusts, and corporate entities seeking flexible, asset-backed capital. Please note that we operate strictly on a private, wholesale basis; we do not offer regulated retail credit or consumer loans. This facility is exclusively available to qualified Professional Investors and High-Net-Worth Entities.
This specialized facility is designed exclusively for experienced investors, family offices, trusts, and corporate entities seeking flexible, asset-backed liquidity. Because our services are offered strictly on a private, wholesale basis, we do not provide regulated retail credit or consumer loans. All clients must qualify as Professional Investors or High-Net-Worth Entities under applicable local regulations.
We do not offer precious-metal-backed loans to:
UK retail consumers
Individuals seeking personal credit
Anyone requiring consumer-credit protections
Borrowers using bullion not held in approved vaults
Individuals seeking “no-check” or “instant” credit
Our liquidity service enables qualified clients to obtain financing secured against allocated gold and silver bullion that meets our eligibility standards. Clients use this facility to:
Access short- or medium-term liquidity
Manage cash flow while maintaining long-term precious-metal exposure
Finance investment opportunities
Enhance portfolio flexibility without liquidating strategic holdings
This is a secured lending arrangement with bullion held as collateral in approved vaults. Collateral remains fully allocated, insured, and certified throughout the facility term.
To maintain strong collateral protection and meet international risk standards:
Gold-backed facility: up to 75% LTV
Silver-backed facility: up to 40% LTV Via our partners
LTV ratios are calculated using independently referenced spot pricing and are reviewed periodically during the facility term.
Eligible collateral includes:
LBMA-approved gold bars (allocated)
LBMA-approved silver bars (purchased through our store)
Bullion held outside our approved network may require transfer, re-authentication or assay testing before the facility can be approved.
This facility is not a regulated consumer-credit product under UK law.
Neville Montagu does not provide consumer loans or retail financial products.
This service is offered strictly to qualified Professional or High-Net-Worth clients on a private basis.
Applicants must confirm their classification before any terms can be provided.
Clients should seek independent financial, legal, and tax advice before entering into any secured-financing arrangement.
A full legal agreement, risk disclosure, and collateral schedule will be provided to eligible clients.