01
Access liquidity
Borrow against eligible assets rather than automatically selling investments.
Lombard Lending
Explore borrowing secured against eligible liquid assets held with TNB, without necessarily selling your investments.
The bigger picture
Access liquidity, with your long-term plans in view, A Lombard facility uses eligible liquid assets held with TNB as security for borrowing
Liquidity
Against eligible assets
Cash Flow
Alongside your investments
Revolving
Where agreed
Keep the Bigger Picture in the Conversation
Facilities may include loans, overdrafts and derivatives secured against cash, equities, bonds or funds held with the bank.
How a Facility Can Work
02
Manage cash flow
A facility can support cash management alongside your investment strategy.
03
Revolving facilities
Where agreed, repaid amounts may be drawn again, with interest on the amount used.
Understand the Risks
Before You Borrow
Leverage can amplify losses. If collateral falls in value, you may need to provide more security. TNB may sell investments to repay borrowing. Losses can exceed your original investment. Lombard lending is not suitable for everyone.
Read the Full InformationStart With a Considered Conversation
01 · Your objective
Explain what you need the facility for.
02 · Your assets and experience
Review the proposed security and your investment knowledge.
03 · Your capacity for risk
Discuss affordability and the effect of adverse market movements.
Understand the Costs
Fees and interest rates, clearly set out.