Investment flexibility without extra fees
Get extra funds when you need it without cashing out existing investments. You can use the funds to invest in a rising market opportunity, to boost your investment purchasing power or even just for personal liquidity needs.
The loan is secured against your eligible assets. A credit limit will be assigned to you on approval and the effective credit limit is based on eligible values capped by the credit limit.
What you'll get with wealth lending
- Flexible repaymentThere's no minimum drawdown or monthly repayments.
- Secure against a wide range of assetsEligible assets include unit trusts, bonds, equities and time deposits held with HSBC.
- Borrow in major currenciesAvailable major currencies include SGD, USD, AUD, GBP, EUR, HKD, CHF and JPY.
- Stay liquid without cashing outGet extra funds without selling existing investments, no matter what the loan is for.
- Attractive interest ratesInterest is calculated daily, and you'll only pay interest on the amount you use[@loans-interest-rate].
- Choice of loansChoose between Wealth Portfolio Lending and Lombard Lending - both can add to your investing power.
How Wealth Portfolio and Lombard Lending works
With Wealth Portfolio Lending, the investments you subscribed to or purchased using this facility can't be pledged to increase your effective credit limit.
But with Lombard Lending, the investments you subscribed to or purchased using this facility can be pledged to increase your effective credit limit. The effective credit limit on your loan is based on the advance ratio of each eligible asset.
If you have an advance ratio of 67%, you can leverage up to 3 times your effective credit limit – subject to terms and conditions.
Watch our video for more information on Lombard Lending.
What you need to know
What happens after you apply
We'll process your application and confirm your credit limit within a few working days.
We'll open your HSBC Wealth Portfolio Lending Accounts or Lombard Lending Accounts. You can access funds in your accounts right away. We'll use the assets in your Wealth Portfolio Investment Account as collateral.
Who can apply
To apply for a Wealth Portfolio Lending or Lombard Lending facility, you need to meet all of the following criteria:
- Be an HSBC Premier customer
- Be a resident of Singapore or another eligible country[@loans-residency-citizenship]
- Have a valid mobile device that you can receive margin call and post forced sale notifications by SMS on
- Have no existing secured overdrafts, investment financing or other wealth portfolio lending facilities
For a Lombard Lending facility, you must also meet all of the following additional criteria:
- Be aged between 21 and 61
- Have a total relationship balance of at least SGD200,000[@new-premier-trb]
- Have a risk profile questionnaire score of 4 (Adventurous) or 5 (Speculative) - not required if you don't have a risk profile questionnaire score and you're an accredited investor with us
- Have leverage financing knowledge and a high tolerance for significant losses
Not a HSBC Premier customer? Learn more about HSBC Premier.
Apply for wealth lending
Contact your Relationship Manager if you would like to apply for a facility and discuss the assets you would like to pledge.
Or give us a call.
Inside Singapore:
Outside Singapore:
Lines are open 24/7.
You can also visit your nearest HSBC branch.
Frequently asked questions
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Additional information
Wealth Portfolio Lending Account(s) and Lombard Lending Account(s) are part of the credit facility, hence they are not insured by the Singapore Deposit Insurance Corporation.