Borrow
borrow against your investments
Free up cash when you need it with a loan secured against your portfolio.
borrow against your investments
Free up cash when you need it with a loan secured against your portfolio.
Borrow up to 40% of your investment portfolio
Secured against your investment portfolio
Access funds whilst retaining your investment returns
Payments made from and into your nominated bank account
Representative APR
6.0% APR Representative APR (fixed). Based on a loan of £10,000 repayable over 24 months (two years) with an interest rate of 6.0% per annum (fixed). Monthly repayment of £443.21 and a total amount repayable of £10,637.04.
This representative APR applies to loans of £10,000 to £19,900 over 6 to 30 months. We offer loans from £1,000 to £60,000 with loan terms from 6 to 30 months. The maximum APR rate you could be offered is 8.0%.
FCA authorised and regulated
Investments custodied with FINRA regulated partner DriveWealth
Part of the Financial Services Compensation Scheme
Protected by bank-grade app security
.png)
Life plans or unexpected events might require us to sell investments for cash (such as home improvement costs, a holiday or a tax bill).
With Sidekick, you can access up to 40% of your portfolio value (subject to assessment). Please note that Sidekick loans can't be used for investment purposes.
See how much a loan can cost you.
.png){kind=small}
Nick Riley, Head of Credit
The way people invest can create significant disparities. Individuals with high net worth can typically put more of their wealth to work, and borrow against their investments if they ever need cash. We want to bring this to you.
We calculate the amount you can borrow as a percentage of your investment portfolio. We call this the Loan to Value or LTV.
The maximum LTV we allow is 40%. For example, on an investment portfolio of £20,000 the maximum loan amount would be £8,000, subject to credit worthiness and affordability assessments.
If your portfolio value decreases and your loan to value (LTV) rises above 40%, you won’t be able to withdraw any funds from your investment portfolio.
We will never ask you to add further funds to your investment to meet the 40% LTV.
Unfortunately, you won’t be able to add additional funds to your investment portfolio whilst you have an outstanding loan. This includes one-off as well as recurring investments.
As soon as your loan is paid off, you can then restart your investments with Sidekick.
