Contact us
Want to book a slot for Collateral?
Want to book a slot for Collateral?
Call Us
Call Us
+44 7387568214
+44 7387568214
info@luxury-w.com
info@luxury-w.com
Secured Lending FAQ
Secured Lending FAQ
Luxury Goods & Mortgage-Free Properties
Luxury Goods & Mortgage-Free Properties
What is asset-backed lending?
You temporarily pledge your luxury item or property to a licensed financial partner in exchange for a cash loan—typically 50–80% of the asset’s appraised value. Ownership remains with you, and the asset is returned once the loan is repaid. Why it works: Keep what you love, get fast access to funds, and reclaim your asset anytime after repayment.
How are interest and fees calculated?
1. Interest: Based on item type, value, and loan term. Luxury goods use weekly rates; properties use monthly rates. No hidden fees. 2. Fees: One-time appraisal fee—typically £100/item for luxury goods; property fees depend on value. Deducted from loan amount. 3. Disbursement: Luxury goods are typically funded same day. Properties within 7–10 business days post-confirmation.
What is asset-backed lending?
You temporarily pledge your luxury item or property to a licensed financial partner in exchange for a cash loan—typically 50–80% of the asset’s appraised value. Ownership remains with you, and the asset is returned once the loan is repaid. Why it works: Keep what you love, get fast access to funds, and reclaim your asset anytime after repayment.
How are interest and fees calculated?
1. Interest: Based on item type, value, and loan term. Luxury goods use weekly rates; properties use monthly rates. No hidden fees. 2. Fees: One-time appraisal fee—typically £100/item for luxury goods; property fees depend on value. Deducted from loan amount. 3. Disbursement: Luxury goods are typically funded same day. Properties within 7–10 business days post-confirmation.
What is asset-backed lending?
You temporarily pledge your luxury item or property to a licensed financial partner in exchange for a cash loan—typically 50–80% of the asset’s appraised value. Ownership remains with you, and the asset is returned once the loan is repaid. Why it works: Keep what you love, get fast access to funds, and reclaim your asset anytime after repayment.
How are interest and fees calculated?
1. Interest: Based on item type, value, and loan term. Luxury goods use weekly rates; properties use monthly rates. No hidden fees. 2. Fees: One-time appraisal fee—typically £100/item for luxury goods; property fees depend on value. Deducted from loan amount. 3. Disbursement: Luxury goods are typically funded same day. Properties within 7–10 business days post-confirmation.
Luxury Items & Jewelry Collateral
Luxury Items & Jewelry Collateral
What items do you accept as collateral?
We accept high-demand brands in excellent condition: ● Bags: Hermès, Chanel, LV, Gucci (≥80% new) ● Jewelry/Watches: Cartier, Van Cleef & Arpels, Rolex, Patek Philippe (original box & certificate preferred) ● Diamonds/Gemstones: 1ct+ loose diamonds, rare colored stones with GIA/GRS or equivalent certification
What’s the process and how much can I borrow?
1. Online Pre-Approval (30 min): Send photos and item details. 2. In-Person or Secure Mail Appraisal (1 hour) 3. Immediate Payout: ● Up to 50–70% of appraised value (e.g., a ¥100,000 Birkin may yield ¥50,000–70,000) ● Payment to your bank or preferred method
How is my item stored during the loan period?
● Bank-grade vault with individual safes ● Fully insured against damage or loss ● Viewings available with 24-hour notice
What items do you accept as collateral?
We accept high-demand brands in excellent condition: ● Bags: Hermès, Chanel, LV, Gucci (≥80% new) ● Jewelry/Watches: Cartier, Van Cleef & Arpels, Rolex, Patek Philippe (original box & certificate preferred) ● Diamonds/Gemstones: 1ct+ loose diamonds, rare colored stones with GIA/GRS or equivalent certification
What’s the process and how much can I borrow?
1. Online Pre-Approval (30 min): Send photos and item details. 2. In-Person or Secure Mail Appraisal (1 hour) 3. Immediate Payout: ● Up to 50–70% of appraised value (e.g., a ¥100,000 Birkin may yield ¥50,000–70,000) ● Payment to your bank or preferred method
How is my item stored during the loan period?
● Bank-grade vault with individual safes ● Fully insured against damage or loss ● Viewings available with 24-hour notice
What items do you accept as collateral?
We accept high-demand brands in excellent condition: ● Bags: Hermès, Chanel, LV, Gucci (≥80% new) ● Jewelry/Watches: Cartier, Van Cleef & Arpels, Rolex, Patek Philippe (original box & certificate preferred) ● Diamonds/Gemstones: 1ct+ loose diamonds, rare colored stones with GIA/GRS or equivalent certification
What’s the process and how much can I borrow?
1. Online Pre-Approval (30 min): Send photos and item details. 2. In-Person or Secure Mail Appraisal (1 hour) 3. Immediate Payout: ● Up to 50–70% of appraised value (e.g., a ¥100,000 Birkin may yield ¥50,000–70,000) ● Payment to your bank or preferred method
How is my item stored during the loan period?
● Bank-grade vault with individual safes ● Fully insured against damage or loss ● Viewings available with 24-hour notice
Property-Backed Loans (Mortgage-Free Only)
Property-Backed Loans (Mortgage-Free Only)
What types of properties qualify?
● Leasehold over 100 years or freehold residential/commercial ● Must be mortgage-free and under a single name (or joint owners in full agreement) ● Currently available for London properties only
What’s the timeline and loan amount for property collateral?
● Timeline: 7–10 business days from evaluation to disbursement ● Loan Value: Up to 60–80% of market appraisal (e.g., a £50K home may yield £30K–40K; loan range: £3K–£50K)
Can I still live in or rent out my property?
Absolutely. You retain full ownership and can live in, rent, or sell the property (loan must be settled before title release).
What types of properties qualify?
● Leasehold over 100 years or freehold residential/commercial ● Must be mortgage-free and under a single name (or joint owners in full agreement) ● Currently available for London properties only
What’s the timeline and loan amount for property collateral?
● Timeline: 7–10 business days from evaluation to disbursement ● Loan Value: Up to 60–80% of market appraisal (e.g., a £50K home may yield £30K–40K; loan range: £3K–£50K)
Can I still live in or rent out my property?
Absolutely. You retain full ownership and can live in, rent, or sell the property (loan must be settled before title release).
What types of properties qualify?
● Leasehold over 100 years or freehold residential/commercial ● Must be mortgage-free and under a single name (or joint owners in full agreement) ● Currently available for London properties only
What’s the timeline and loan amount for property collateral?
● Timeline: 7–10 business days from evaluation to disbursement ● Loan Value: Up to 60–80% of market appraisal (e.g., a £50K home may yield £30K–40K; loan range: £3K–£50K)
Can I still live in or rent out my property?
Absolutely. You retain full ownership and can live in, rent, or sell the property (loan must be settled before title release).
Risk & Legal Safeguards
Risk & Legal Safeguards
What if I can't repay on time?
We offer flexible options: 1. Renewal: Extend the loan by paying interest only (1–3 months) 2. Partial Repayment: Pay interest first, defer principal 3. Last Resort: Auction by authorized partner (with your consent)
How do you ensure legal and financial security?
● Licensed lenders registered with financial regulators (verification available) ● Direct fund disbursement—no third-party handling ● Legally binding contracts with notary support
What if I can't repay on time?
We offer flexible options: 1. Renewal: Extend the loan by paying interest only (1–3 months) 2. Partial Repayment: Pay interest first, defer principal 3. Last Resort: Auction by authorized partner (with your consent)
How do you ensure legal and financial security?
● Licensed lenders registered with financial regulators (verification available) ● Direct fund disbursement—no third-party handling ● Legally binding contracts with notary support
What if I can't repay on time?
We offer flexible options: 1. Renewal: Extend the loan by paying interest only (1–3 months) 2. Partial Repayment: Pay interest first, defer principal 3. Last Resort: Auction by authorized partner (with your consent)
How do you ensure legal and financial security?
● Licensed lenders registered with financial regulators (verification available) ● Direct fund disbursement—no third-party handling ● Legally binding contracts with notary support
Note:
Note:
We do not provide loans to students or individuals without stable income. Please borrow responsibly.
We do not provide loans to students or individuals without stable income. Please borrow responsibly.
Partnership:
Partnership:
