The Golden Visa Loan Report: Financing Your Way to a Second Passport
How Lombard loans are revolutionising investment immigration
The definitive guide to Lombard loan financing for golden visa investments. This report examines how securities-backed lending is transforming residency-by-investment — allowing investors to preserve portfolio growth while meeting programme minimum thresholds. Includes cost comparisons, lender profiles, and country-by-country eligibility.
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Key Findings
A preview of what's inside the full report
41% of golden visa investors with portfolios exceeding $2M now use Lombard loan financing rather than liquidating investments — up from 18% in 2023
Securities-backed lending at 60–70% LTV allows investors to deploy capital into visa-qualifying assets without triggering capital gains tax events
The average Lombard loan for a European golden visa application is €500,000, with EUR-denominated rates ranging from 3.2–4.8% in 2026
8 countries explicitly accept Lombard loan-financed investments as meeting programme thresholds: Portugal, Greece, Malta, UAE, Turkey, Ireland, Luxembourg, and Andorra
Break-even analysis shows Lombard financing outperforms liquidation in 89% of modelled scenarios when portfolio CAGR exceeds 5%
goldenvisaloans.com has facilitated over €340M in Lombard-backed golden visa investments across 14 nationalities since 2022
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Get Free AccessWhat's In the Full Report
- 01Executive Summary
- 02What is a Lombard Loan? Primer for Immigration Advisors
- 03Why Lombard Financing Outperforms Liquidation
- 04Country-by-Country Eligibility: Which Programmes Accept It?
- 05Lender Profiles and Rate Benchmarks 2026
- 06Tax Efficiency: Avoiding CGT Events with Portfolio Lending
- 07Risk Management: FX, Margin Calls, and Mitigation
- 08Case Studies: Real Clients, Real Outcomes
- 09The goldenvisaloans.com Marketplace Explained
- 10Future of Lombard Financing in Investment Immigration