See how to fund your residency or citizenship by investment without selling your portfolio — at 4% p.a., no monthly payments, no credit checks.
Pledge your portfolio as collateral
Borrow at your chosen LTV at 4% p.a.
Your portfolio pays the loan — no monthly repayments
Lombard Interest Rate
Fixed — accrues annually, no monthly payments
4% p.a.
Portfolio Collateral Required
Stays in your name · keeps growing · at 50% LTV
€280,000
Lombard Loan Amount
50% LTV of investment
€140,000
Annual Interest Charge
No monthly payments — accrues once per year
€5,600/yr
Total Interest over 10yr
Settled by portfolio at end of term
€56,000
Portfolio Growth on Collateral
At 8% p.a. compounded — offsets interest
+€324,499
End value: €604,499
Rental Income from Investment
~5.2% gross yield — also offsets interest
+€14,560/yr
€145,600 total
Net Wealth Gain
On top of your original €280,000 collateral, after paying all interest
+€414,099
Illustrative only. Lombard loan terms vary by lender and portfolio composition. Portfolio growth is not guaranteed. Rental yields are gross estimates. Seek independent financial advice before proceeding.
Net wealth position over 10 years — same investor, same starting portfolio of €280,000, three ways to fund the visa.
Lombard — Yr 10
€408k
net wealth position
Traditional Loan — Yr 10
€162k
€246k less than Lombard
Pay Cash — Yr 10
€-324k
€733k less than Lombard
Traditional loan assumes 7.5% p.a. amortising with monthly payments, 50% LTV deposit liquidated upfront · Cash scenario shows permanently foregone portfolio compounding at 8% p.a.
We compare Lombard loan facilities from 20+ private banks worldwide and structure the most competitive terms for your portfolio and programme — with no credit checks, no monthly payments.
Free consultation · No obligation · 48h response guarantee
Unlike a traditional loan or mortgage, a Lombard loan requires no monthly repayments. Interest accrues at 4% p.a. and is settled by your portfolio at the end of the term — freeing up your cash flow entirely.
Approval is based entirely on the quality and value of your pledged investment portfolio. Income, employment, and credit history are irrelevant — the ideal solution for HNW individuals and entrepreneurs.
A traditional loan forces you to liquidate capital for the deposit and make expensive monthly repayments. A Lombard loan keeps your full portfolio invested and compounding — so the visa effectively pays for itself.