Guides
Understanding asset-backed lending
Clear, impartial guides to borrowing against luxury assets: how it works, what it costs, how valuation is done, and how it is regulated in the UK.
Guide
How Does Pawnbroking Work?
Pawnbroking is one of the oldest and simplest forms of finance: a loan secured against an item you own. Here is exactly how it works, from valuation to redemption.
Read guideGuide
How Much Can You Borrow Against Your Asset?
The amount you can borrow against a luxury asset comes down to two things: what the asset is realistically worth, and the loan-to-value a lender will advance against it. Here is how both work.
Read guideGuide
Pawnbroker Interest Rates: How Pricing Works
Pawnbroking interest is charged differently from a typical bank loan. Understanding how it works, and what drives the rate, lets you compare the true cost of borrowing against an asset.
Read guideGuide
Asset Rich, Cash Poor: Releasing Liquidity Without Selling
Many high-net-worth individuals hold significant wealth in assets they cannot easily turn into cash. Here is how to bridge that gap without giving up the assets you have spent years acquiring.
Read guideGuide
Pawn or Sell? Which Is Right for You
When you need to raise money from a valuable asset, you have two routes: borrow against it, or sell it. They lead to very different outcomes, and here is how to decide.
Read guideGuide: Comparison
Asset-Backed Loan vs Bridging Loan
A bridging loan is the default answer for short-term capital, but it is not the only one. For asset-rich borrowers, a loan secured against a luxury asset can be faster, simpler and more discreet.
Read guideGuide: Valuation
Jewellery Valuation: Insurance, Probate and Resale Value
“How much is my jewellery worth?” has more than one answer, because there is more than one kind of value. Understanding the difference matters whether you are insuring a piece, settling an estate, or borrowing against it.
Read guideGuide: Valuation
Probate Jewellery Valuation: A Guide for Executors
When jewellery forms part of an estate, executors need an accurate open market valuation for probate and inheritance tax. Here is what that involves and how it differs from an insurance valuation.
Read guideGuide: Regulation
Is Pawnbroking Regulated in the UK?
Pawnbroking is a long-established and regulated form of credit in the United Kingdom. Here is how it is regulated, what the high-net-worth exemption means, and the protections that apply.
Read guide