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Portfolio diversification
Single counter portfolio consisting of non-Top 40 shares
Up to 30%
Single counter portfolio consisting of Top 40 shares
Up to 50%
Balanced portfolio
Up to 50% provided
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There are a minimum of five counters
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No counter has more than a 25% weighting
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No more than 70% of the counters are in
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one industry
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GET COLLATERAL
The following movable assets may be used as collateral when accessing our Securities Based Lending solution:
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Cash
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Listed shares
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Unit trusts
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Local cash investments
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Preferential shares
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Exchange traded funds (ETFs)
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Real estate investment trusts (REITs)
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Unlisted shares (these will be evaluated to determine acceptability
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Offshore investments (evaluated per client in order to determine acceptability)
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Government bonds
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Guarantees
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EXPAND YOUR BUSINESS
If you are looking to expand your investment portfolio to include an additional investment portfolio, finance new business opportunities or invest in real estate, our Securities Based Lending solution gives you direct access to funds.
This innovative solution is unique as it allows you to borrow against your investment portfolio without having to liquidate your securities, which means that you are never out of the market.
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ACCESS TAILORED SOLUTIONS
We review your portfolio alongside your credit profile to determine a facility amount that is realistic, manageable and tailored to your borrowing profile.
When determining your facility size, we consider a number of factors, including the liquidity and diversity of your stocks.
In addition, we consider the market value of your portfolio and your ability to make consistent repayments.
The maximum loan amount you can qualify for will depend on how well your portfolio is diversified.
Diversified portfolio
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Increased investment exposure
If utilised correctly the power of gearing provides higher returns on your share portfolio than if you were to not use the power of gearing. This will assist you with all upside potential accruing to your portfolio.
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Diversify your portfolio
Through the Securities Based Lending solution, you could further increase your shares portfolio that is unrelated to your main line of business, thus not only allowing you to use the power of gearing but also diversify your returns away from your main line of income.
Another benefit is the gearing of securities yet to be acquired with the loan proceeds for both local and offshore investments.
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Access to liquidity
Quick and simple access to funds without having to sell securities
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Quick and simple access to funds without having to sell securities, while maintaining participation and appreciation of the investment portfolio.
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Receive access to an alternate source of funding for property finance or to finance your lifestyle needs.
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The loan is customised around your repayment, amount, time frame and collateral structures.
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Funds arranged with minimal paperwork
A full credit review of the amount of money you'll qualify for is entirely based on the diversity, liquidity, serviceability and market value of your portfolio.
The loan to value amount is largely dependent on the diversity of your portfolio
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Up to 30% on a single counter portfolio consisting of non-Top 40 shares
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Up to 50% on a single counter portfolio consisting of Top 40 shares
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Up to 50% on a balanced portfolio provided there are a minimum of five counters
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No counter has more than a 25% weighting
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No more than 70% of the counters are in one industry.
