{"id":3459,"date":"2026-06-17T13:44:11","date_gmt":"2026-06-17T11:44:11","guid":{"rendered":"https:\/\/altavistafinance.com\/services\/lombardloan\/"},"modified":"2026-09-21T23:08:40","modified_gmt":"2026-09-21T21:08:40","slug":"lombardloan","status":"publish","type":"page","link":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/","title":{"rendered":"LOMBARD<br\/>LOAN"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3459\" class=\"elementor elementor-3459 elementor-1404\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b4e9a1b e-con-full servicios-hero-container e-flex e-con e-parent\" data-id=\"3b4e9a1b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-39ea2ae4 e-grid servicios-hero-grid e-con-boxed e-con e-child\" data-id=\"39ea2ae4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32fc3837 servicios-hero-grid-imagen elementor-widget elementor-widget-image\" data-id=\"32fc3837\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"228\" height=\"342\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-1.png\" class=\"attachment-large size-large wp-image-3315\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-1.png 228w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-1-200x300.png 200w\" sizes=\"(max-width: 228px) 100vw, 228px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-569d653 servicios-hero-sello elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"569d653\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"152\" height=\"156\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/sello-dark2.svg\" class=\"attachment-large size-large wp-image-1440\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2f7e0a home-banner-big-title elementor-widget elementor-widget-heading\" data-id=\"d2f7e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LOMBARD LOAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-129b95d6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"129b95d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A Lombard loan is a credit facility secured against a portfolio of assets \u2013 shares, bonds, investment funds, cash or other financial assets \u2013 without the need to liquidate them. It is the most efficient way to release liquidity from a portfolio without divesting. In Spain, Lombard loans typically provide financing of between 50% and 90% of the value of the pledged portfolio.  <\/p><p>The aim is not simply to access liquidity, but to avoid the opportunity cost of divesting at an unfavourable time. The borrower retains ownership, investment returns and market exposure to their assets while obtaining finance. <\/p><p>It is a private agreement which, under certain structures \u2013 especially in international private banking \u2013 may not be treated as traditional debt in local credit assessments and does not appear on standard credit reports. This makes it a particularly powerful tool in three scenarios: increasing leverage to finance 100% of a property by combining a mortgage with a Lombard loan, optimising the wealth tax burden on high-value properties, and obtaining finance for highly leveraged clients without reducing their liquidity. <\/p><p>The interest rate is usually linked to 12-month Euribor plus a margin of between 0.7% and 1%.<\/p><p>Altavista Finance structures Lombard loans through private banks in Spain and Luxembourg.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11cad7d2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"11cad7d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6785f934 elementor-absolute servicios-hero-imagen-extra prestamo-lombardo-hero-imagen-extra elementor-widget elementor-widget-image\" data-id=\"6785f934\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"252\" height=\"343\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-2.png\" class=\"attachment-large size-large wp-image-3316\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-2.png 252w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-2-220x300.png 220w\" sizes=\"(max-width: 252px) 100vw, 252px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d8daf3e e-con-full contacta-nosotros-letter-light e-flex e-con e-parent\" data-id=\"d8daf3e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-316153e0 elementor-widget elementor-widget-template\" data-id=\"316153e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"755\" class=\"elementor elementor-755 elementor-736 elementor-736\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41ff723f home-entidades-container e-flex e-con-boxed e-con e-parent\" data-id=\"41ff723f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5be7f933 elementor-widget elementor-widget-image\" data-id=\"5be7f933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"181\" height=\"39\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Logo_Banco_de_Espana.svg-1.svg\" class=\"attachment-large size-large wp-image-248\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19665259 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"19665259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43b256ec elementor-widget elementor-widget-heading\" data-id=\"43b256ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">50+ financial institutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771025a6 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"771025a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7429222a elementor-widget elementor-widget-image\" data-id=\"7429222a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"168\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Trustpilot-4-7-1.png\" class=\"attachment-large size-large wp-image-250\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7df500ea e-flex e-con-boxed e-con e-parent\" data-id=\"7df500ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59c3fb5e elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"59c3fb5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LOMBARD LOAN FEATURES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3485c71 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3485c71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>ELIGIBLE ASSETS<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b1cd0e9 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6b1cd0e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tListed shares, bonds, ETFs, investment funds, cash, transferable pension funds and, in some cases, alternative assets such as private equity holdings or discretionary portfolios.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d5f2750 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5d5f2750\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>VALUATION AND LTV<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ffd1263 elementor-widget__width-initial elementor-widget elementor-widget-altavista-table-2col\" data-id=\"7ffd1263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altavista-table-2col.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"altavista-table-wrapper\">\n\t\t\t<table class=\"altavista-table\">\n\t\t\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>PORTFOLIO PROFILE<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>INDICATIVE LTV<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Fixed income<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Up to 83%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Yield \/ conservative<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Up to 73\u201379%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Balanced<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Up to 66%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Equities<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Up to 50%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31fb496e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"31fb496e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>PORTFOLIO FLEXIBILITY<\/h4>\nIn structures arranged through Luxembourg, the pledged portfolio is fully flexible: the client may adjust or reallocate their investments at any time, without any notarial or administrative process.\n<h4>REPAYMENTS<\/h4>\nInterest-only payments apply \u2013 no capital repayments are made during the term of the loan.\nThe principal is repaid at maturity or on renewal.\n<h4>MARGIN CALLS<\/h4>\nIf the value of the portfolio falls below an agreed threshold, the lender may request additional collateral or a partial repayment of the loan. This is a risk that the client must understand and manage. \n<h4>STRUCTURE<\/h4>\nIt can be structured as a revolving credit facility (with partial drawdowns) or as a term loan. The typical term is one to five years, with the option to renew. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-244edb30 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"244edb30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3dad365c elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"3dad365c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">THREE WAYS TO USE\nA LOMBARD LOAN<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6bb4a e-con-full e-grid e-con e-child\" data-id=\"e6bb4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-54d2dbdb e-con-full e-flex e-con e-child\" data-id=\"54d2dbdb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69251ceb elementor-widget elementor-widget-heading\" data-id=\"69251ceb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">01<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-121c31e4 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"121c31e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Replace a mortgage<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-323b13be elementor-widget elementor-widget-text-editor\" data-id=\"323b13be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When a buyer cannot access traditional mortgage finance \u2013 because of their profile, income structure, property type or transaction timeline \u2013 a Lombard loan provides an alternative. Instead of securing the finance against the property, the purchase is financed against the investment portfolio. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b0b583d e-con-full e-flex e-con e-child\" data-id=\"1b0b583d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c55c75 elementor-widget elementor-widget-heading\" data-id=\"7c55c75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">02<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c437664 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"5c437664\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Supplement a mortgage \u2013 finance 100%<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cc2dbf5 elementor-widget elementor-widget-text-editor\" data-id=\"5cc2dbf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A Lombard loan can work alongside a traditional mortgage to finance up to 100% of the property value. The mortgage covers 60\u201375%, while a Lombard loan covers the remainder against the asset portfolio. The buyer acquires the property without having to provide a cash deposit.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be307fb e-con-full e-flex e-con e-child\" data-id=\"be307fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4072fb3a elementor-widget elementor-widget-heading\" data-id=\"4072fb3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">03<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-163301c8 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"163301c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Finance staged payments for a property development<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b49efaa elementor-widget elementor-widget-text-editor\" data-id=\"5b49efaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A Lombard loan can fund the staged payments for a property development (an off-plan new build) without requiring cash for each instalment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60246969 e-con-full e-flex e-con e-parent\" data-id=\"60246969\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:3458,&quot;url&quot;:&quot;http:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/highlight3-1.png&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fb376f3 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"1fb376f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-339bcf7 elementor-widget-mobile__width-initial luxe-title-big elementor-widget elementor-widget-heading\" data-id=\"339bcf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TAX ADVANTAGE: WEALTH TAX<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2232adf elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2232adf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIn Spain, wealth tax applies to the taxpayer\u2019s net assets. A Lombard loan creates a liability that reduces net taxable wealth: the pledged portfolio remains an asset, but the associated loan is a debt deducted from total wealth. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44141ab elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"44141ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5b6d8c elementor-widget-mobile__width-initial luxe-title-big elementor-widget elementor-widget-heading\" data-id=\"b5b6d8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">STRUCTURING IN SPAIN<br \/>OR LUXEMBOURG<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-487377c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"487377c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AVF can structure Lombard loans domiciled in Spain or Luxembourg. Both options are legitimate and have different implications: <\/p><p> <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56ae01c first-colum-black elementor-widget elementor-widget-altavista-table-3col\" data-id=\"56ae01c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altavista-table-3col.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"altavista-table-wrapper\">\n\t\t\t<table class=\"altavista-table\">\n\t\t\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>SPAIN<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>LUXEMBOURG<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Lenders<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Spanish private banks<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Luxembourg private banks<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Eligible assets<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Portfolio held in custody in Spain or transferable<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Portfolio held in custody in Luxembourg<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Impact on credit assessment<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>May count as debt in local credit assessments<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>May not count as traditional debt \u2013 private contract<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Portfolio flexibility<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Fixed portfolio: any change requires notarial formalities<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Flexible portfolio: it can be changed without restrictions<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>When it is preferable<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Clients with assets already in Spain<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Clients with assets in Luxembourg seeking flexibility<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fcb4075 elementor-widget-mobile__width-initial luxe-title-big elementor-widget elementor-widget-heading\" data-id=\"fcb4075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LOMBARD LOAN VS. TRADITIONAL MORTGAGE <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f34615e first-colum-black elementor-widget elementor-widget-altavista-table-3col\" data-id=\"f34615e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altavista-table-3col.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"altavista-table-wrapper\">\n\t\t\t<table class=\"altavista-table\">\n\t\t\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>LOMBARD LOAN<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>TRADITIONAL MORTGAGE<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Security<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Asset portfolio<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Property<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Contract type<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Private contract<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Registered public deed<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>LTV<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>50%\u201390% of the portfolio value<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>60%\u201375% of the valuation<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Term<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>1\u20135 years (renewable)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>20\u201330 years<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Repayment<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Interest only<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Capital and interest<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Speed<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Weeks<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>8\u201312 weeks<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Use of funds<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Flexible<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Property purchase only<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Tax impact<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Reduces the wealth tax base<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Does not reduce taxable wealth<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Risk<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Margin calls if the portfolio falls in value<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>No margin calls<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Can be combined<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Yes, it can supplement a mortgage to finance up to 100%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Yes, it can be combined with a Lombard loan<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93c0478 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"93c0478\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f391ff elementor-widget-mobile__width-initial luxe-title-big elementor-widget elementor-widget-heading\" data-id=\"6f391ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WHO A LOMBARD LOAN IS FOR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2814065 elementor-widget elementor-widget-text-editor\" data-id=\"2814065\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A Lombard loan is designed for investors and high-net-worth clients who need liquidity without selling their investments. It is not a mass-market product, as it requires a substantial investment portfolio. In practice, arrangements in Spain typically require portfolios from \u20ac300,000 to over \u20ac1 million, while arrangements in Luxembourg usually start at \u20ac500,000.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bf9fa6 servicios-funciona-container e-flex e-con-boxed e-con e-parent\" data-id=\"7bf9fa6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4d10e8e5 e-con-full e-flex e-con e-child\" data-id=\"4d10e8e5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5fd466 elementor-widget-mobile__width-initial elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5e5fd466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REAL-WORLD LOMBARD LOAN TRANSACTION<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2d8925 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"a2d8925\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/case-studies\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#283843\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View real case studies<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ca4b377 e-con-full e-flex e-con e-child\" data-id=\"4ca4b377\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-192efaef elementor-widget elementor-widget-image\" data-id=\"192efaef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"707\" height=\"512\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-funciona.png\" class=\"attachment-large size-large wp-image-3317\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-funciona.png 707w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-funciona-300x217.png 300w\" sizes=\"(max-width: 707px) 100vw, 707px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1856a299 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"1856a299\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0980ed elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"7e0980ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS ABOUT LOMBARD LOANS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75f2dd8e acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"75f2dd8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1970\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1970\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Which assets can I use as collateral? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1970\" class=\"elementor-element elementor-element-73ec7c93 e-con-full e-flex e-con e-child\" data-id=\"73ec7c93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1970\" class=\"elementor-element elementor-element-75418f8d e-con-full e-flex e-con e-child\" data-id=\"75418f8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1600789b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1600789b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tListed shares, bonds, ETFs, investment funds and portable pension funds. Some private banks also accept alternative assets, such as private equity holdings or discretionary portfolios. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1971\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1971\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much can I borrow with a Lombard loan? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1971\" class=\"elementor-element elementor-element-2c82cd92 e-con-full e-flex e-con e-child\" data-id=\"2c82cd92\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1971\" class=\"elementor-element elementor-element-31f7311f e-con-full e-flex e-con e-child\" data-id=\"31f7311f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-157fbe44 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"157fbe44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTypically between 50% and 90% of the value of the pledged portfolio.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1972\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1972\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I use a Lombard loan to buy a property in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1972\" class=\"elementor-element elementor-element-2b03b123 e-con-full e-flex e-con e-child\" data-id=\"2b03b123\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1972\" class=\"elementor-element elementor-element-3c98767c e-con-full e-flex e-con e-child\" data-id=\"3c98767c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ec6bd61 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4ec6bd61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tYes. This is one of its most common uses. A Lombard loan can finance the entire purchase or supplement a mortgage.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1973\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1973\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if the value of my portfolio falls? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1973\" class=\"elementor-element elementor-element-5fd300b2 e-con-full e-flex e-con e-child\" data-id=\"5fd300b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1973\" class=\"elementor-element elementor-element-5c055e39 e-con-full e-flex e-con e-child\" data-id=\"5c055e39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58245c0c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"58245c0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSi la cartera cae por debajo del umbral de cobertura acordado, la entidad puede solicitar garant\u00edas adicionales (margin call) o la devoluci\u00f3n parcial del pr\u00e9stamo.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1974\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1974\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the tax advantage of a Lombard loan in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1974\" class=\"elementor-element elementor-element-449db174 e-con-full e-flex e-con e-child\" data-id=\"449db174\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1974\" class=\"elementor-element elementor-element-493b566b e-con-full e-flex e-con e-child\" data-id=\"493b566b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3499906 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3499906\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe loan creates a liability that reduces the taxpayer\u2019s net wealth for wealth tax purposes.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1975\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1975\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between arranging a Lombard loan in Spain and Luxembourg? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1975\" class=\"elementor-element elementor-element-79864cd6 e-con-full e-flex e-con e-child\" data-id=\"79864cd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1975\" class=\"elementor-element elementor-element-21d94792 e-con-full e-flex e-con e-child\" data-id=\"21d94792\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73bbf1c0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"73bbf1c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThere are three main differences. First, in Spain, the loan may count as debt in a local credit assessment; in Luxembourg, it may not count as traditional debt. Second, in Spain, the pledged portfolio is fixed and any change requires a notary; in Luxembourg, its composition can be changed freely. Third, the jurisdiction determines which lenders are available and the applicable regulatory framework. AVF structures Lombard loans in both jurisdictions.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which assets can I use as collateral?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Listed shares, bonds, ETFs, investment funds and portable pension funds. Some private banks also accept alternative assets, such as private equity holdings or discretionary portfolios.\"}},{\"@type\":\"Question\",\"name\":\"How much can I borrow with a Lombard loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Typically between 50% and 90% of the value of the pledged portfolio.\"}},{\"@type\":\"Question\",\"name\":\"Can I use a Lombard loan to buy a property in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. This is one of its most common uses. A Lombard loan can finance the entire purchase or supplement a mortgage.\"}},{\"@type\":\"Question\",\"name\":\"What happens if the value of my portfolio falls?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Si la cartera cae por debajo del umbral de cobertura acordado, la entidad puede solicitar garant\\u00edas adicionales (margin call) o la devoluci\\u00f3n parcial del pr\\u00e9stamo.\"}},{\"@type\":\"Question\",\"name\":\"What is the tax advantage of a Lombard loan in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The loan creates a liability that reduces the taxpayer\\u2019s net wealth for wealth tax purposes.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between arranging a Lombard loan in Spain and Luxembourg?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There are three main differences. First, in Spain, the loan may count as debt in a local credit assessment; in Luxembourg, it may not count as traditional debt. Second, in Spain, the pledged portfolio is fixed and any change requires a notary; in Luxembourg, its composition can be changed freely. Third, the jurisdiction determines which lenders are available and the applicable regulatory framework. AVF structures Lombard loans in both jurisdictions.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52a8338 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"52a8338\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A Lombard loan provides access to financing secured against an investment portfolio without liquidating its assets. In Spain, these loans typically provide between 50% and 90% of the portfolio\u2019s value. It is a private contract that, under certain international private banking structures, may not count as traditional debt. The resulting liability reduces the taxable base for wealth tax purposes. Altavista Finance, authorised by the Bank of Spain under licence E192, structures Lombard loans through private banks in Spain and Luxembourg.    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77db2c29 e-flex e-con-boxed e-con e-parent\" data-id=\"77db2c29\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f912da5 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"f912da5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONTACT US<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e212364 e-con-full e-flex e-con e-child\" data-id=\"e212364\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ba2cb1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0ba2cb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are considering a real estate transaction in Spain and want to understand which options make sense to explore, we would be happy to talk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e32917 elementor-align-center elementor-tablet-align-left elementor-widget elementor-widget-button\" data-id=\"4e32917\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT US<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>LOMBARD LOAN A Lombard loan is a credit facility secured against a portfolio of assets \u2013 shares, bonds, investment funds, cash or other financial assets \u2013 without the need to liquidate them. It is the most efficient way to release liquidity from a portfolio without divesting. In Spain, Lombard loans typically provide financing of between [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":274,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3459","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lombard Loans in Spain | Altavista Finance<\/title>\n<meta name=\"description\" content=\"Finance secured against an asset portfolio. 50\u201390% LTV. Private contract. Replace or supplement a mortgage. Spain and Luxembourg.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lombard Loans in Spain | Altavista Finance\" \/>\n<meta property=\"og:description\" content=\"Finance secured against an asset portfolio. 50\u201390% LTV. Private contract. Replace or supplement a mortgage. Spain and Luxembourg.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/\" \/>\n<meta property=\"og:site_name\" content=\"Altavista Finance\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-21T21:08:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"228\" \/>\n\t<meta property=\"og:image:height\" content=\"342\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/lombardloan\\\/\",\"url\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/lombardloan\\\/\",\"name\":\"Lombard Loans in Spain | Altavista Finance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/lombardloan\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/lombardloan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/servicios-hero-1.png\",\"datePublished\":\"2026-06-17T11:44:11+00:00\",\"dateModified\":\"2026-09-21T21:08:40+00:00\",\"description\":\"Finance secured against an asset portfolio. 50\u201390% LTV. Private contract. Replace or supplement a mortgage. Spain and Luxembourg.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/lombardloan\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/lombardloan\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/lombardloan\\\/#primaryimage\",\"url\":\"https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/servicios-hero-1.png\",\"contentUrl\":\"https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/servicios-hero-1.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/lombardloan\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Services\",\"item\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/services\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"LOMBARDLOAN\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/\",\"name\":\"Altavista Finance\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/#organization\",\"name\":\"Altavista Finance\",\"url\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Group-1.svg\",\"contentUrl\":\"https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Group-1.svg\",\"width\":180,\"height\":42,\"caption\":\"Altavista Finance\"},\"image\":{\"@id\":\"https:\\\/\\\/altavistafinance.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/es.trustpilot.com\\\/review\\\/altavistafinance.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Lombard Loans in Spain | Altavista Finance","description":"Finance secured against an asset portfolio. 50\u201390% LTV. Private contract. Replace or supplement a mortgage. Spain and Luxembourg.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/","og_locale":"en_US","og_type":"article","og_title":"Lombard Loans in Spain | Altavista Finance","og_description":"Finance secured against an asset portfolio. 50\u201390% LTV. Private contract. Replace or supplement a mortgage. Spain and Luxembourg.","og_url":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/","og_site_name":"Altavista Finance","article_modified_time":"2026-09-21T21:08:40+00:00","og_image":[{"width":228,"height":342,"url":"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-1.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/","url":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/","name":"Lombard Loans in Spain | Altavista Finance","isPartOf":{"@id":"https:\/\/altavistafinance.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/#primaryimage"},"image":{"@id":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/#primaryimage"},"thumbnailUrl":"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-1.png","datePublished":"2026-06-17T11:44:11+00:00","dateModified":"2026-09-21T21:08:40+00:00","description":"Finance secured against an asset portfolio. 50\u201390% LTV. Private contract. Replace or supplement a mortgage. Spain and Luxembourg.","breadcrumb":{"@id":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/altavistafinance.com\/en\/services\/lombardloan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/#primaryimage","url":"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-1.png","contentUrl":"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/servicios-hero-1.png"},{"@type":"BreadcrumbList","@id":"https:\/\/altavistafinance.com\/en\/services\/lombardloan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/altavistafinance.com\/en\/"},{"@type":"ListItem","position":2,"name":"Services","item":"https:\/\/altavistafinance.com\/en\/services\/"},{"@type":"ListItem","position":3,"name":"LOMBARDLOAN"}]},{"@type":"WebSite","@id":"https:\/\/altavistafinance.com\/en\/#website","url":"https:\/\/altavistafinance.com\/en\/","name":"Altavista Finance","description":"","publisher":{"@id":"https:\/\/altavistafinance.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/altavistafinance.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/altavistafinance.com\/en\/#organization","name":"Altavista Finance","url":"https:\/\/altavistafinance.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/altavistafinance.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Group-1.svg","contentUrl":"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Group-1.svg","width":180,"height":42,"caption":"Altavista Finance"},"image":{"@id":"https:\/\/altavistafinance.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/es.trustpilot.com\/review\/altavistafinance.com"]}]}},"_links":{"self":[{"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/pages\/3459","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/comments?post=3459"}],"version-history":[{"count":1,"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/pages\/3459\/revisions"}],"predecessor-version":[{"id":3460,"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/pages\/3459\/revisions\/3460"}],"up":[{"embeddable":true,"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/pages\/274"}],"wp:attachment":[{"href":"https:\/\/altavistafinance.com\/en\/wp-json\/wp\/v2\/media?parent=3459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}