Global Wealth Management meets the Golden Visa Industry
Keep your entire portfolio growing while your family gains their path to global freedom. Zero liquidation. Zero tax events. Zero disruption to your wealth.
Included with your strategy consultation
Average timeline: 4 weeks. You provide the capital. We handle the rest.
Our Guarantee: If we can't secure financing terms that beat what you'd find on your own, you pay nothing. The strategy call is free, and there's zero obligation to proceed.
30-minute call • No obligation • Funding in 4 weeks
Learn about the Trump Gold Card programmeCheck your passport ranking & upgrade options →Your portfolio continues growing while borrowed funds meet the visa requirement
"We kept our entire tech portfolio intact." — UK founder, €3.2M arranged for Portugal Golden Visa in 4 weeks. Portfolio has since grown 23% while holding EU residency.
Comprehensive analysis demonstrating the superior returns of leveraging your portfolio versus liquidation
Educational Illustration: The projections and illustrations shown below are hypothetical examples for educational purposes only and are not guaranteed. Actual investment results will vary based on market conditions, portfolio composition, individual circumstances, and other factors. Past performance does not guarantee future results. Consult with qualified financial and tax advisors before making investment decisions.
Portugal Golden Visa Programme Investment Analysis
Chart shows net asset value over time. Lombard strategy maintains portfolio growth while traditional liquidation loses opportunity.
Investment Conclusion: The Lombard loan strategy preserves €919,153 in additional wealth over 5 years compared to traditional liquidation. By keeping your portfolio invested, you avoid capital gains tax, maintain compounding returns, and protect against inflation erosion and opportunity cost—resulting in a net value of €1,108,557 versus just €189,404 with liquidation.
Your full portfolio remains invested and continues generating returns, compounding over time rather than being liquidated.
Lombard loans are secured against your portfolio, not your credit history. No credit checks, no income verification required.
Borrow at 3.0% while your portfolio earns 9%, capturing the 6.0% spread.
Transfer your existing investment portfolio to us without selling. We accept in specie transfers, allowing seamless transition while avoiding capital gains tax triggers.
Keep your investment portfolio liquid and working for you rather than tied up in a single immigration investment.
Interest-only structure with no mandatory monthly payments. Flexibility to pay interest annually or at loan maturity.
Investment: €500,000
Loan-to-Value: 65%
Portfolio Required: €769,231
Lombard Rate: 3% annually
Market Return: 9% annually
Portfolio Return: 9% annually
Inflation Rate: 2% annually
Capital Gains Tax: 20% (long-term)
Gains Percentage: 25% of position
Time Horizon: 5 years
Important Disclaimer: The projections, returns, and illustrations presented are hypothetical examples for educational purposes only and are not guaranteed. Actual investment performance will vary based on portfolio composition, market conditions, individual tax situations, and other factors. Past performance does not guarantee future results. These illustrations should not be considered as investment advice or a recommendation. Please consult with qualified financial advisors and tax professionals for personalized analysis and advice tailored to your specific circumstances before making any investment decisions.
Speak with our wealth advisors to structure a Lombard loan solution tailored to your portfolio and financial objectives.
Comprehensive selection of residency by investment and citizenship by investment programmes across 24+ jurisdictions. Access golden visa opportunities, second passport programmes, and alternative residency pathways worldwide.
Filter by budget, region, program type and processing time. Updated for 2026.
Investment Budget
Program Type
Region
Processing Time
| Country | Program Type | Min. Investment | Processing | |
|---|---|---|---|---|
🇻🇺 Vanuatu Pacific | Citizenship | $130,000 | 1–2 months | |
🇨🇦 Canada Americas | Residency | C$200,000 | 12–18 months | |
🇩🇲 Dominica Caribbean | Citizenship | $200,000 | 5–8 months | |
🇸🇦 Saudi Arabia Middle East | Residency | $213,000 | 1 month | |
🇦🇬 Antigua & Barbuda Caribbean | Citizenship | $230,000 | 9–12 months | |
🇬🇩 Grenada Caribbean | Citizenship | $235,000 | 7–10 months | |
🇱🇨 St Lucia Caribbean | Citizenship | $240,000 | 9–12 months | |
🇰🇳 St Kitts & Nevis Caribbean | Citizenship | $250,000 | 4–6 months |
Latest industry updates & policy changes
With Portugal's citizenship timeline now 12-14 years effective, Malta's 16-20 month EU passport route is seeing record enquiries. Malta remains the only direct EU citizenship-by-investment programme delivering a full passport in under 2 years.
USCIS confirms mandatory CPI-U inflation adjustment will raise EB-5 TEA minimum from $900K to $937,500–$950,000 on January 1, 2027. Standard rate rises to $1.35M–$1.4M. Applications submitted by Q3 2026 lock in current pricing.
USCIS increases Targeted Employment Area EB-5 minimum from $800,000 to $900,000. Standard investment rises to $1.2M. Securities-backed Lombard financing lets investors fund the requirement without portfolio liquidation or capital gains tax.
Turkish Parliament approves landmark legislation exempting new residents from tax on foreign-sourced income for 20 years. Applies to Golden Visa holders investing $400K+ in property.
Policy changes impact visa strategy.Book a consultation to understand how these updates affect your plans.
"The Lombard loan structure preserved my portfolio while securing our Portugal Golden Visa. Their tax planning saved us over €200K in capital gains."
"Outstanding service from start to finish. They handled everything—portfolio construction, loan arrangement, and visa application coordination."
"Their expertise in trust structures and multi-jurisdictional tax planning was invaluable. We achieved our residency goals while optimizing our global tax position."
Common questions about golden visa programmes, citizenship by investment, Lombard loans, and asset-backed lending
A golden visa programme is a residency by investment scheme offered by countries to attract foreign investment. In exchange for qualifying real estate investments, government donations, or private equity investments, applicants and their families receive residence permits with visa-free travel rights. Golden visa programmes like Portugal Golden Visa and Greece Golden Visa offer pathways to EU citizenship and permanent residency.
Leading golden visa programmes include Portugal Golden Visa (from €250,000), Greece Golden Visa (from €500,000), Malta Citizenship by Investment, Spain Golden Visa, and UAE Golden Visa. Caribbean citizenship by investment programmes include St Kitts & Nevis, Antigua & Barbuda, Grenada, and Dominica. Each residency by investment programme offers unique benefits including EU residency, visa-free travel, and tax optimization opportunities.
Portugal Golden Visa investment requirements start from €250,000 for cultural heritage donations or private equity fund investments. Alternative pathways include €500,000 in equity funds or venture capital. The Portugal Golden Visa programme offers EU residency rights, Schengen Zone access, and Portuguese citizenship eligibility after 10 years of residency by investment (7 years for CPLP citizens). Family members are included in the golden visa application.
Golden visa processing times vary by jurisdiction. Portugal Golden Visa applications typically complete in 6-12 months, Greece Golden Visa in 2-3 months, and Malta citizenship by investment in 12-36 months. Caribbean citizenship by investment programmes like St Kitts & Nevis or Antigua & Barbuda process faster, often in 3-6 months. Our residency by investment advisory services streamline applications and coordinate with immigration authorities for efficient processing.
Yes, golden visa programmes typically include immediate family members: spouse, dependent children under 18-26 (varies by programme), and often dependent parents. Portugal Golden Visa, Greece Golden Visa, and most citizenship by investment programmes offer multi-generational family inclusion. Family members receive the same residency rights, visa-free travel benefits, and eventual citizenship eligibility as the main applicant through these residency by investment schemes.
Golden visa programmes grant residence permits that may lead to citizenship after a qualifying period (typically 7-10 years), while citizenship by investment programmes offer direct second passports. Golden visas like Portugal (10 years), Greece (7 years), and Spain provide EU residency with eventual citizenship paths. Citizenship by investment programmes like Malta, St Kitts & Nevis, and Antigua & Barbuda grant immediate citizenship and passports. Both offer residency by investment benefits, but timeframes and rights differ.
A Lombard loan is an asset-backed lending facility that allows you to borrow against your investment portfolio without liquidating assets. For golden visa investments, Lombard loans enable you to pledge securities as collateral to secure financing for residency by investment programmes. Typically offering 65-70% loan-to-value ratios at competitive interest rates around 3%, Lombard loans preserve your investment portfolio while accessing capital for golden visa real estate purchases or government donations.
Lombard loans provide leverage for golden visa investments by using your existing investment portfolio as collateral. Rather than selling stocks, bonds, or funds to raise capital for Portugal Golden Visa or other residency programmes, you secure an asset-backed loan against your portfolio. This preserves your investment returns and capital gains while funding golden visa real estate investments or citizenship programme requirements. Lombard loan interest rates typically range from 3-4% annually.
Lombard loans accept diverse investment portfolios as collateral including publicly traded equities, government bonds, corporate bonds, mutual funds, ETFs, and managed portfolios. Asset-backed lending facilities typically require liquid, diversified portfolios with transparent valuations. Investment-grade securities receive higher loan-to-value ratios. For golden visa financing through Lombard loans, lenders evaluate portfolio quality, diversification, and volatility when determining lending terms and interest rates.
Lombard loan interest rates typically range from 3-4% annually, significantly lower than unsecured lending rates. Asset-backed lending terms vary based on collateral quality, with loan-to-value ratios of 50-70% standard. Lombard loans for golden visa investments offer flexible repayment structures, interest-only payment options, and credit lines that adjust with portfolio valuations. Rates are competitive because the lender holds your investment portfolio as security.
Lombard loans are superior to traditional mortgages for financing global property purchases and golden visa investments because they require no mandatory monthly payments. Unlike conventional mortgages that demand fixed monthly principal and interest payments, Lombard loans offer interest-only payment flexibility with no required payment schedule. You can choose to pay interest quarterly, annually, or even defer payments entirely while your investment portfolio continues generating returns. This asset-backed lending structure provides significantly greater cash flow flexibility than mortgages, making Lombard loans ideal for high-net-worth individuals financing international real estate, Portugal Golden Visa properties, or Greece Golden Visa investments without the burden of monthly mortgage obligations.
Lombard loan providers typically require minimum investment portfolios of $500,000-$1,000,000 for asset-backed lending facilities. For golden visa financing, portfolio requirements depend on the investment amount needed. Portugal Golden Visa at €250,000 would require approximately €385,000 in pledged securities at 65% LTV. Our wealth advisory services structure portfolios to optimize Lombard loan terms while maintaining diversification and risk management.
Yes, Lombard loans can finance multiple golden visa investments through revolving credit facilities. As you build equity or portfolio value increases, additional borrowing capacity becomes available for other residency by investment programmes. Investors often use asset-backed lending to acquire Portugal Golden Visa, Greece Golden Visa, or citizenship by investment programmes sequentially while maintaining their core investment portfolio intact and generating returns.
Lombard loans include margin call provisions if portfolio values decline significantly. If the loan-to-value ratio exceeds agreed thresholds (typically 75-80%), lenders may require additional collateral or partial loan repayment to restore the original LTV ratio. For golden visa investments, we recommend maintaining conservative LTV ratios (50-65%) and diversified portfolios to minimize margin call risks. Asset-backed lending facilities often allow substitution of collateral securities to manage portfolio volatility.
Asset-backed lending through Lombard loans offers faster approval, more flexible terms, and lower documentation requirements than traditional mortgages for golden visa real estate purchases. While mortgages require property appraisals and extensive underwriting, Lombard loans leverage existing investment portfolios for quick capital access. Interest rates may be comparable, but Lombard loans preserve portfolio growth potential and offer revolving credit facilities for multiple residency by investment opportunities.
Golden visa tax benefits vary by jurisdiction. Portugal Golden Visa offers non-habitual resident tax regime with foreign income exemptions. Greece Golden Visa provides access to €100,000 lump sum tax regime. UAE Golden Visa includes zero income tax benefits. Many golden visa and citizenship by investment programmes offer territorial tax systems, inheritance tax exemptions, and capital gains tax advantages. Our international tax planning services optimize residency by investment tax structures.
Yes, establishing a "Neutrality Hedge" involves diversifying residency and citizenship rights across geopolitically neutral or stable jurisdictions. Our Switzerland lump-sum taxation programme offers neutrality, political stability, and favorable tax treatment. New Zealand Active Investor Plus visa provides access to a Commonwealth jurisdiction with strong rule of law and distance from geopolitical tensions. Both programmes can be financed through Lombard loans to preserve your investment portfolio. Read our detailed analysis in the Switzerland Residence Permit guide and New Zealand AIP Visa 2026 report for comprehensive neutrality hedge strategies.