Flexible ways to borrow

We provide flexible credit solutions by consolidating various asset classes as collateral under one provider of credit. This enables you to realise your individual goals with the lending solution as an integral part of your overall wealth plan.

Through our Specialist Lending Advisers, you could benefit from tailored solutions including home finance, (property purchase, bridging loans, equity release) and Lombard Finance (secured by marketable securities for the purchase of additional assets). Depending on the evolution of the client wealth planning structure, all lending solutions can be provided to either individuals or personal holding companies.

Flexibility, effective decision making, execution and client service are our main priorities when finding the right lending solution adapted to your financing needs.

A range of ways to borrow

Real Estate Lending

Short- to medium-term mortgages secured against the value of your home or residential investment property. We are prominent in areas other lenders find difficult to match. They include mortgages for clients with complex income structures, such as those who require bridging loans of 12 months or less, while waiting to sell real estate assets.

Arranged overdraft facility

Sometimes you may want extra flexibility for occasional expenses. If you're an existing KH banking client, you can apply for an arranged overdraft facility that is based on your needs.

  • We offer a flexible and convenient service
  • We believe you should have access to something altogether more flexible and convenient.  There are no arrangement, usage or renewal fees for the arranged overdraft facility. All arranged overdraft requests are subject to approval.
  • We offer a competitive arranged overdraft rate
  • With the KH account, you’ll pay arranged overdraft interest at a highly competitive rate of our KH Base rate found here: www.kleinworthambros.com/en/our-services/banking-and-deposits/deposit-solutions-current-interest-rates/
Investment Backed Lending

Allows you to unlock liquidity from your portfolio to take advantage of new investment opportunities or meet other spending commitments without disrupting your long-term investment strategy. It can also be used to add leverage to your investment strategy if required.

Specialist Lending

Access to specialist lending teams across the Societe Generale group that can offer advice as well as structure the loans required for high-value acquisitions, such as yachts and jets.

General Overdraft Information

The Kleinwort Hambros account arranged overdraft is a credit facility we agree with you in advance, allowing you to borrow money up to an agreed limit when there is no money left in your account. An unarranged overdraft is a form of credit created when a payment leaves your account, but you do not have any money left in your account and you have reached (or do not have) an arranged overdraft limit. We may decide to stop payments if you are in (or that would take you into) your unarranged overdraft, and this may result in your service provider charging you for missed payments. We will charge you interest on both types of overdraft (arranged and unarranged) and the rates we charge are available on our website. The interest rate on the KH account unarranged overdraft is generally higher than arranged overdraft interest, so using an unarranged overdraft will typically cost you more. If you are unable to repay your arranged or unarranged overdraft, we may report this information to a credit reference agency.  Both types of overdraft are typically intended for short-term rather than long-term borrowing.

Unarranged overdraft
Unarranged overdraft interest is charged at our KH Base rate +10% per annum, variable – this can be avoided if you remain within your arranged overdraft limit.

For additional guidance on borrowing please refer to:


  • Credit is subject to status and approval.
  • Your home or property may be repossessed if you do not keep up repayments on your mortgage.