Our solutions
Lending Solutions
Are you buying a property, selling a business, downsizing, or retiring? Union Bancaire Privée (UK) Limited provides lending solutions to support you at all stages of life’s journey.
We know your circumstances are unique and are likely to require tailored financing solutions. That is why we offer a wide range of flexible lending products, from investment-backed lending to unlock value from an asset or investment you don’t want to sell, to tailored mortgages and loans to buy additional assets.
Our experience tells us that the most appropriate solutions can sometimes be complex. Whether your needs are straightforward or more challenging, we can arrange personalised and professionally managed lending structures. We often find ourselves liaising closely with trustees, family offices, tax advisers and other professionals to ensure we find the right route.
Flexibility, effective decision-making, execution and exceptional service are our priorities when finding the right lending solution adapted to your financing needs.
Real Estate Lending
Short- and medium-term mortgages can be a simple and effective way to borrow, whether you are buying a new home, residential investment property or looking to generate liquidity. We are particularly strong in areas other lenders find difficult to match.
Investment-backed Lending
Are you looking to take advantage of new investment opportunities or to meet other spending commitments without disrupting your long-term investment strategy? Our tailored lending solutions can help unlock liquidity from your portfolio. Investment-backed lending can also be used to add leverage to your investment strategy if required.
Please remember:
- Property is a high-risk, long-term investment, so it may not be suitable for everyone.
- We recommend that you take independent tax advice on any investment or leverage. It’s important to appreciate the specific risks associated with investment leverage before making any investment decisions.
- Your home may be repossessed if you do not keep up repayments on your mortgage.
- If you borrow to buy an investment property and fail to keep up with the required payments, the property may be repossessed, or a receiver of rents appointed
Central Bank Base Rate
For Union Bancaire Privée (UK) Limited only
‘Central Bank Base Rate’ is a variable interest rate that tracks a reference rate defined by the central bank of the respective currency. These reference rates are set out below.
|
AER1/Gross2 |
Central Bank Reference Rate |
|
| GBP | 4.50% | Bank of England Base Rate |
|
USD |
4.50% |
Federal Funds Target Rate Upper Bound |
|
EUR |
2.25% |
European Central Bank Deposit Facility Rate |
|
ZAR |
7.50% |
South African Reserve Bank Repo Rate |
|
CHF |
0.25% |
Swiss National Bank Policy Rate |
Explanatory Notes
1. AER: this is the annual equivalent rate – a notional rate which illustrates the contractual interest rate (excluding any conditional bonus payable) as if paid and compounded on an annual basis.
2. Gross rate: this is the contractual rate of interest payable before the deduction of income tax at the rate specified by law (the ‘specified rate’).
Changes to the Bank of England base rate will apply from the business day following the central bank's announcement. Changes to the European Central Bank reference rate will apply on the effective date of the change announced by the European Central Bank. For all other currencies, the change will take affect 3 business days after the announcement from the respective central bank.
Explore UBP UK's offering
Driven by an expertise-led culture and strong client relationships, we integrate in-depth knowledge in wealth and asset management to create tailored innovative solutions for our clients across traditional and alternative investments. This breadth of expertise ensures we can precisely meet even the most complex financial needs.
UBP (UK) - London
UBP has a strong and growing presence in the UK, Channel Islands and Gibraltar with offices in London and other key locations across the region. As its largest hub outside of Switzerland, the UK is a key strategic location, supporting UBP’s commitment to providing clients with flexible wealth management solutions.
UBP London
UBP London branch was established in 1991 and provides asset and wealth management services to private and institutional clients. Driven by an expertise-led culture, we integrate in-depth knowledge in wealth and asset management to create tailored solutions for our clients.
UBP (UK) Edinburgh
UBP has a strong and growing presence in the UK, Channel Islands and Gibraltar with offices in London and other key locations across the region. As its largest hub outside of Switzerland, the UK is a key strategic location, supporting UBP’s commitment to providing clients with flexible wealth management solutions.
UBP (UK) Jersey
UBP has a strong and growing presence in the UK, Channel Islands and Gibraltar with offices in London and other key locations across the region. As its largest hub outside of Switzerland, the UK is a key strategic location, supporting UBP’s commitment to providing clients with flexible wealth management solutions.
UBP (UK) Gibraltar
UBP has a strong and growing presence in the UK, Channel Islands and Gibraltar with offices in London and other key locations across the region. As its largest hub outside of Switzerland, the UK is a key strategic location, supporting UBP’s commitment to providing clients with flexible wealth management solutions.
UBP (UK) Leeds
UBP has a strong and growing presence in the UK, Channel Islands and Gibraltar with offices in London and other key locations across the region. As its largest hub outside of Switzerland, the UK is a key strategic location, supporting UBP’s commitment to providing clients with flexible wealth management solutions.
UBP (UK) Guernsey
UBP has a strong and growing presence in the UK, Channel Islands and Gibraltar with offices in London and other key locations across the region. As its largest hub outside of Switzerland, the UK is a key strategic location, supporting UBP’s commitment to providing clients with flexible wealth management solutions.
UBP (UK) Cambridge
UBP has a strong and growing presence in the UK, Channel Islands and Gibraltar with offices in London and other key locations across the region. As its largest hub outside of Switzerland, the UK is a key strategic location, supporting UBP’s commitment to providing clients with flexible wealth management solutions.
UBP (UK) Newbury
UBP has a strong and growing presence in the UK, Channel Islands and Gibraltar with offices in London and other key locations across the region. As its largest hub outside of Switzerland, the UK is a key strategic location, supporting UBP’s commitment to providing clients with flexible wealth management solutions.