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Most US-connected citizens assume that funding a move to Portugal, whether that's purchasing property, making a Golden Visa investment, or both, means liquidating their US investments first.
There is a financing structure that allows you to borrow against your existing US portfolio rather than selling it. Your investments stay in the market, continuing to compound. The bank lends against them as collateral. That lending funds what you need in Portugal. No sale. No capital gains event. No disruption to a strategy you've spent years building.
Eligible portfolios typically include listed equities, investment-grade bonds, diversified funds and ETFs. Eligibility depends on portfolio composition and is assessed on a case by case basis.
As a US citizen, accessing European private banking and financing requires advisors who are specifically structured to operate across both systems. Most European firms are not set up to serve American clients, which is why having SEC-registered partners, who are legally authorised to advise US persons internationally, is central to how this works.
Portugal Pathways provides a joined-up strategy, so achieving your objectives in Portugal is seamless, efficient, and aligned with your long-term wealth goals.
Asset leverage finance, sometimes called Lombard lending or portfolio-backed financing, allows you to use your existing investment portfolio as collateral rather than selling it.
Your US stocks, funds, and positions remain exactly where they are, continuing to grow. Nothing is sold.
A European private bank lends against your portfolio as collateral. That capital funds your property purchase, Golden Visa investment, or both.
Because nothing is sold, no tax event is triggered. Your cost basis remains intact.
Because the bank is secured against liquid assets, lending terms tend to be more favourable than a traditional mortgage, and in many cases you can finance a significantly higher percentage of the purchase price.
This isn’t a single solution. It’s a coordinated approach designed around your specific goals.
We design a financial framework that works across:
We design a financial framework that works across:
We help you open and structure accounts in:
We design a financial framework that works across:
We help you open and structure accounts in:
We design a financial framework that works across:
We help you open and structure accounts in:
We design a financial framework that works across:
We help you open and structure accounts in:
We design a financial framework that works across:
We help you open and structure accounts in:
We design a financial framework that works across:
We help you open and structure accounts in:
We design a financial framework that works across:
We help you open and structure accounts in:
We design a financial framework that works across:
We help you open and structure accounts in:
We design a financial framework that works across:
We help you open and structure accounts in:
We work with Americans at the very beginning of this process, to put the right structure in place.
To secure European financing, your assets typically need to be held with a European custodian. We facilitate this as an in-kind transfer, your positions move electronically, with no sale and no tax event. Your portfolio arrives in Europe intact.
We connect you with private banks across Portugal, Switzerland, Luxembourg, and Monaco that are genuinely set up to work with US clients, selecting the right institution based on your specific profile and objectives.
We coordinate the lending structure so that the borrowing is proportionate, the collateral is appropriate, and the financing fits your broader wealth strategy rather than working against it.
We monitor collateral levels, portfolio composition, and market conditions on an ongoing basis, so your position remains protected throughout.
We keep things clear and manageable at every step.
We understand your current portfolio, banking relationships, and what you need to fund in Portugal.
We design the right financing and custody structure for your specific situation.
We facilitate the in-kind transfer, open the right banking relationships, and put the financing in place.
We monitor your portfolio, manage collateral levels, and adapt the structure as your plans evolve.
Start with a confidential discussion to explore:
We understand that every situation is different. Arrange a discovery call to understand how we can help you achieve your specific goals.
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