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Banking & lending services

We want to give our clients the Rothschild & Co experience. They can pick up the phone at any point for any type of financial need and we will find a way to help them."

Client Adviser Katharine Taylor

More than just investments

While investing is our core focus, our clients benefit from our broader approach to wealth management. We’re able to utilise in-house banking and lending capabilities to meet your short-term cash needs and deliver outstanding outcomes under unique circumstances.

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Tailored services

We focus on finding solutions for our clients rather than selling them products with complex criteria. So, whether it's a large mortgage or the ability to borrow against your portfolio at short notice, we’ll tailor our wealth management services to you.

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International private banking

Wherever you are in the world, our offshore team is here to make managing your money simple and secure. We’ll provide you with the flexibility and control you need, backed by our experience in navigating different jurisdictions and international markets.

Our banking & lending services

Portfolio lending

We can arrange and provide loans against investment portfolios. While our terms are competitive, the real benefit is flexibility and being able to act swiftly.

Residential property lending

We specialise in high-value mortgages ranging from £5 million to £100 million in the UK and Channel Islands.

Banking services

We offer clients a range of banking services from current accounts to fixed deposit accounts and more.

Real Estate Debt Management

Real Estate Debt Management (REDM) arranges loan facilities secured by UK commercial real estate, mainly in the industrial, logistics, office, healthcare, retail and leisure sectors.

Finding a solution

 

We’re more than just a wealth manager. We offer banking and lending services which are tailored to our clients, please read the articles below to learn more.

Our Client Advisers are a great sounding board for all your financial questions. Below we answer some of the most common questions they have been asked.

What is private banking?

Private banking is the provision of bespoke banking and financial services, usually to affluent individuals. Private banks typically offer a range of transactional and deposit accounts across multiple major currencies, as well as services which include foreign exchange, debit and charge cards, and mobile and online banking.

Private bank relationships are managed through a highly personalised, single point of contact.

Do I qualify for private banking?

While specific requirements can vary among institutions, private banking services are generally targeted towards high net worth (HNW) individuals or those with substantial investable assets.

Rothschild & Co private banking is based in Guernsey and requires a minimum ongoing balance of £250,000 (or currency equivalent). Minimum ongoing balance requirements for certain relationships may be decreased in consideration of a Wealth Management relationship or increased based on relationship complexity, at the discretion of the bank.

What is lending versus borrowing?

Lending and borrowing are two sides of a financial transaction. Lending involves providing money or resources to someone else, typically with the expectation of receiving repayment with interest over time. Lenders can be individuals, banks or financial institutions.

Borrowing is obtaining funds or resources from a lender with the commitment to repay the borrowed amount, usually with interest. Borrowers can be individuals, businesses or governments. The money borrowed can be used to fund personal expenses, investments or business expansion.

Insights

  • A rebound in corporate earnings?

    Blog

    Earnings growth is rising in the United States, suggesting the market could have passed a turning point. Ahead of the release of first quarter earnings figures, we consider what this means for investors and examine how earnings expectations can be fallible.

    Anthony Abrahamian

  • Are oil prices pushing inflation higher?

    Blog

    Oil prices are up by a fifth since January, but should we be worried this will sustain higher inflation? We consider how demand may be firming up as the depressed manufacturing sector picks up, and the impact that could have on demand for raw inputs like oil.

    Victor Balfour

  • Sustainable fashion should never go out of style

    Insights

    In our first Sustainability Spheres event, industry experts discussed the future of ‘fast fashion’, a model which dominates the sector but has been criticised for being unsustainable. Attendees were asked how the industry can embed sustainable practices into their models.

    Becky Orme, Laura Negus