You may be looking to fund a major purchase, invest in a new business, refinance debt or secure the right financing arrangement to suit your needs. Whatever your goals, we can provide various customised credit and financing solutions suited to your immediate and longer-term objectives.

At RBC Wealth Management, we provide in-depth knowledge, guidance and experience in the complexities of global wealth management to help you make informed decisions. Your relationship manager will work with one of our dedicated credit specialists to create your credit and financing plan.

Financing for your personal and business needs

Purchasing a property

We offer real estate financing for residential and commercial property in select prime locations within the UK. Our credit specialists will work closely with you to ensure you receive a tailored solution, whether to diversify your property portfolio, expand your business or have a new place to call home.

Refinancing existing debt

As an individual with an extensive financial portfolio, you may find you need to restructure existing debt to help create value. We offer a wide range of flexible credit solutions through secured term loans and revolving lines of credit available in sterling, euros or U.S. dollars.

Managing unexpected costs

Suppose you're suddenly faced with a considerable, unexpected cost. Our credit specialists can work with you and your relationship manager to identify how to best use your wealth to structure a personalised credit solution to meet your unanticipated needs.

Financing business opportunities

Whether you have plans to expand your business, raise working capital or invest in new opportunities, we’ll work with you and your advisers to provide flexible credit options to help you achieve your goals.

Financing through offshore life insurance bonds

Offshore life insurance bonds can offer numerous financial benefits, including the potential to gain access to financing. Although it’s a complicated process, you can rely on our expertise. Subject to eligibility, we can lend against offshore life insurance bonds on an annual uncommitted basis.

Learn more about our credit products

Revolving lines of credit

Use revolving lines of credit for a range of financing purposes, from liquidity management and portfolio leverage to debt refinancing and risk management. We offer multi-currency lines of credit – secured by cash, investments or other forms of collateral.

Committed and uncommitted term loans

We can offer you credit facilities on both a committed and an uncommitted basis. Committed loans are more suited to longer-term arrangements, while uncommitted term loans are geared to one-off or shorter-term needs and where the collateral is liquid. As with our other credit solutions, these are available in sterling, euros, U.S. dollars and Canadian dollars and can be secured by various types of collateral.

Standby letters of credit and guarantees

In certain circumstances, we can offer standby letters of credit, which provide a bank guarantee of payment to a third party on your behalf. As with our other solutions, we require suitable collateral with an appropriately assigned lending value.


It is important to note that the capital value of, and income from, any investment may go down as well as up and you may not get back the full amount invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Discuss strategic financing solutions with an RBC Wealth Management relationship manager.