Everything you need to know

Luxury and classic cars, fine art, watches, jewellery, diamonds, fine wine, designer handbags, antiques, and gold. SAFE will consider any luxury asset that can be sold at auction.

We work with a network of valuers from leading auction houses, independent consultants, and our own in-house expertise. All valuers have been approved through a stringent due diligence process, have signed NDAs, and are experts in their field.

All items are stored in secure, fully insured locations for the duration of the loan. We can provide full disclosure of each storage location upon request, and you may view or check on your asset at any point with 48–72 hours' notice. Our team is insured to handle assets up to £5m in value.

Our standard process does not involve credit checks. Your loan is secured entirely against your asset. In the rare cases where a personal guarantee is required, we may carry out a credit search on the guarantor. We also require identity documents, a High Net Worth exemption (authorised by a verified, accredited accountant), proof of ownership, and proof of address to comply with anti-money laundering regulations.

If the loan is not repaid by the end of the term, the asset may be sold to recover the debt. Any surplus funds from the sale above the outstanding balance will be returned to you. We always work with clients to explore extension options before this point.

We are a boutique finance firm with over 30 years' experience in luxury asset-based lending. Our team has worked for the likes of Sotheby's, Bonhams and Borro. We have overseen £25 million in lending to over 250 clients across the UK. Client confidentiality and service are paramount to everything we do.

We offer loans from £61,000 to £2,000,000. The amount is determined by the value of your luxury asset. In general, we lend between 40–70% of the open market value. Our services are exclusively for certified High Net Worth Individuals.

Loan terms range from 3 to 12 months. Our standard contract runs for 6 months, renewable for a further 6 months provided interest payments are up to date. After the minimum 3-month term, there are no early redemption fees or exit fees.

Provided we have all asset information and proof of ownership is clearly evidenced, we can provide funding in 3–10 working days in most cases.

Rates are tailored to each loan and depend on the asset type, loan amount, and term. We provide a transparent quote with no hidden fees before you commit. There are no set-up costs.

Yes. After the minimum 3-month term, you can redeem your asset at any time with no early repayment fees or exit charges. Simply repay the outstanding loan balance and accrued interest.

Yes, but both parties must agree to the loan in writing, both must meet the High Net Worth criteria, and both must agree to our terms and conditions before drawdown.

Yes. For clients selling assets at auction, we offer sale advance loans up to 6 months before the auction date. Get in touch to find out more.