Editorial & Advertiser Disclosure Global Banking And Finance Review is an independent publisher which offers News, information, Analysis, Opinion, Press Releases, Reviews, Research reports covering various economies, industries, products, services and companies. The content available on globalbankingandfinance.com is sourced by a mixture of different methods which is not limited to content produced and supplied by various staff writers, journalists, freelancers, individuals, organizations, companies, PR agencies etc. The information available on this website is purely for educational and informational purposes only. We cannot guarantee the accuracy or applicability of any of the information provided at globalbankingandfinance.com with respect to your individual or personal circumstances. Please seek professional advice from a qualified professional before making any financial decisions. Globalbankingandfinance.com also links to various third party websites and we cannot guarantee the accuracy or applicability of the information provided by third party websites.
Links from various articles on our site to third party websites are a mixture of non-sponsored links and sponsored links. Only a very small fraction of the links which point to external websites are affiliate links. Some of the links which you may click on our website may link to various products and services from our partners who may compensate us if you buy a service or product or fill a form or install an app. This will not incur additional cost to you. For avoidance of any doubts and to make it easier, you may consider any links to external websites as sponsored links. Please note that some of the services or products which we talk about carry a high level of risk and may not be suitable for everyone. These may be complex services or products and we request the readers to consider this purely from an educational standpoint. The information provided on this website is general in nature. Global Banking & Finance Review expressly disclaims any liability without any limitation which may arise directly or indirectly from the use of such information.


  • Loans of between £50,000 and £2 million provided
  • LTV of up to 80%, and process completed within a week 

HNW Lending, an alternative lender that provides individual loans of between £50,000 and £2million to clients against valuable assets, has announced that in the year to March 2017 it lent £14 million against individual homes or portfolios of property bringing its total loans on property to £23 million.  The loan to value (LTVs) is up to 80%, and the process generally takes no longer than a week to complete.

It expects to provide significantly more property loans in 2017 and beyond because its ability to raise funds has been enhanced by receiving HMRC and FCA approval to offer Innovative Finance ISAs (IFISA), with minimum investments of £5,000.  The company will offer returns of between 7% per annum and 15% per annum.

Since its launch in April 2014, HNW Lending has lent £23 million against property.  Overall, 95% of this has been against UK based properties, and 5% against overseas homes – primarily in France and Spain.

Although the lender provides loans against a variety of assets from jewellery, fine wine, classic cars and even yachts, 95% of its lending this year has been against property.  Many of its clients have found it difficult to secure extra funding from their mortgage providers because of their age, or because mainstream lenders are less keen on larger loans.  They may also have complex incomes or finances that do not fit the traditional criteria used by banks and building societies.

Ben Shaw, founder and director of HNW Lending said: “Lending against property is the biggest part of our business, and as traditional lenders tighten their loans criteria, we expect it to be the fastest growing.” 

The HNW Lending process
The process normally takes no longer than a week to complete. HNW Lending Ltd assesses the value of a potential client’s valuable items and based on this it will then find lenders prepared to provide funds against the item or items.  HNW Lending will then arrange with the client for their items to be moved into safe storage or if it is a property, for a first or second charge to be registered.