Antiques Finance
Million Plus Private Finance arranges bespoke lending against antique assets and high-value collectibles for high-net-worth clients. Facilities are structured around asset quality, balance-sheet strength, and long-term ownership objectives, delivering discreet liquidity while preserving collection integrity and wider wealth alignment.
Why Choose Million Plus Private Finance for Antiques Finance?
Million Plus Private Finance specialises in raising capital against antique assets and valuable collectibles held within complex private wealth structures. Clients benefit from trusted private bank and specialist lender relationships, discreet valuation coordination, and lending structures aligned with broader balance-sheet objectives. Facilities may incorporate interest-only or hybrid repayment profiles, supporting liquidity management without disrupting ownership, succession planning, or long-term collection strategy. Our advisers are experienced in working with international assets, specialist valuers, and legal teams to deliver efficient, confidential outcomes.
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Speak directly with a senior Million Plus adviser to discuss raising finance against antique assets or collectibles. Each enquiry is assessed confidentially, with facilities structured around asset quality, liquidity objectives, and the client’s wider financial profile.
Antiques finance allows high-net-worth clients to unlock liquidity from valuable collections without compromising long-term ownership or forced disposal. Lending is typically secured against authenticated antique assets, high-value collectibles, or historically significant items, with borrowing capacity determined by asset quality, provenance, market depth, and valuation confidence.
Million Plus Private Finance works with private banks and specialist lenders that understand collectible markets and the nuances of asset-backed lending beyond conventional property or securities. Facilities can be structured on an interest-only or hybrid basis, supporting cashflow management while preserving balance-sheet flexibility.
Clients often hold antique assets alongside property, financial investments, or business interests, requiring a joined-up view of overall wealth rather than isolated affordability assessments. Our advisers coordinate valuations, lender engagement, and legal processes, ensuring facilities integrate seamlessly with existing structures and long-term planning considerations. The result is discreet, efficient capital access aligned with the client’s broader wealth position.
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For high-net-worth individuals and family offices, antique assets often represent both cultural value and significant balance-sheet weight. When approached correctly, these assets can support sophisticated lending structures that enhance liquidity without disrupting long-term ownership objectives.
Antiques finance differs from conventional asset-backed lending due to the specialist nature of valuations, market depth considerations, and asset care requirements. Lenders assess provenance, condition, insurability, storage, and liquidity horizons rather than relying on automated models. Million Plus Private Finance works closely with established valuers and specialist lenders to ensure assets are presented accurately and conservatively.
Clients frequently hold antique collections alongside property, operating businesses, investment portfolios, and international holdings. Lending decisions therefore benefit from a holistic view of the client’s balance sheet, allowing facilities to be structured in a way that complements wider cashflow and capital planning. Interest-only and hybrid repayment profiles are often used to preserve liquidity and avoid unnecessary asset disposals.
Cross-border considerations may apply where assets are held internationally or where ownership structures involve trusts or corporate vehicles. Our advisers coordinate lender engagement, legal structuring, and valuation logistics to ensure facilities are executed efficiently and discreetly.
Rather than transactional lending, antiques finance is positioned as part of a broader capital strategy. By unlocking liquidity from dormant assets, clients can fund opportunities, manage timing differences, or rebalance portfolios while maintaining control and alignment with long-term wealth objectives.
frequently asked questions
Mortgage Questions Answered
Can you raise finance against antique assets?
Yes. Finance can be arranged against authenticated antique assets and high-value collectibles, subject to valuation, condition, and market depth.
What types of antiques can be used as security?
Eligible assets may include fine furniture, decorative arts, historical objects, and collectible items with established provenance and insurable value.
Is antiques finance available on an interest-only basis?
Interest-only and hybrid repayment structures are commonly used, depending on asset quality and overall balance-sheet strength.
Do I need to sell or move my collection?
In many cases, ownership is retained and assets remain in secure, insured storage, subject to lender requirements.
How is borrowing capacity assessed?
Lenders consider valuation, liquidity, insurance, storage arrangements, and the client’s wider financial position.
Is antiques finance suitable for international clients?
Yes. Facilities can be structured for international clients, subject to asset location and legal considerations.
Can antique cars or collectible vehicles be included?
Certain antique or collectible vehicles may be considered, depending on condition, provenance, and market demand.
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From prime UK and international assets to alternative investments, Million Plus Private Finance arranges and structures bespoke private finance solutions for high-net-worth clients. Senior advisers deliver discreet, flexible lending beyond high-street constraints.
