Jewellery

Jewellery is precious: it can be both a valuable asset and a item of great personal significance. If you own a piece of fine jewellery, whether it’s an antique heirloom or the latest Cartier design, you can raise finance against it without the need to sell. Our expert team is immersed in the jewellery market, meaning we can appraise your piece accurately and objectively, based on current market value. When you take out a short-term loan against your jewellery, we’ll ensure your treasured item is handled with the utmost care.

What types of jewellery do you consider for a loan?

We lend against all types of fine jewellery made from precious metals, with and without gemstones. Pieces from all periods are considered, from Georgian to Art Nouveau to contemporary. You can borrow against diamond rings, bracelets, earrings, necklaces and more.

How do I get a loan against my jewellery?

Simply fill out the form below, and we’ll be in touch to find out more about your jewellery and arrange collection. We’ll appraise your item and make you a loan offer based on our professional valuation. Alternatively, you can call us on 020 7665 8307 or email contact@eldens.co.uk.

How much can I borrow against my jewellery?

The amount you can borrow depends on the value of your jewellery and the LTV (Loan to Value) percentage. Our LTV on jewellery is typically 50-70%. So, if your item is worth £50,000 you could expect to borrow anything from £25,000 – £35,000. Typically, we handle jewellery valued at anything from £5,000 to £5 million.

Appraising your jewellery

To appraise your jewellery and produce an accurate valuation, our experts will consider multiple factors:

Brand – Brand is an important factor, as well as whether the piece has a signature. We’ve gained extensive experience advising on collections from houses such as Bvlgari, Van Cleef and Arpels, Cartier and Tiffany & Co.
Gemstones – We consider all precious stones, including pearl, diamond, ruby, sapphire, emerald and tanzanite, loose or mounted. We take into account certificates of authenticity and characteristics such as cut, weight, clarity, colour and country of origin. For diamonds, laboratory reports are also considered.
Metal – Whether the item is made from gold or platinum, we will asses the purity of the metal.

Collection and storage of your jewellery

Your jewellery will be professionally handled at all times. It remains protected from the moment it’s collected by our in-house logistics team, until it’s safely and securely returned, following repayment of the loan. All items of jewellery are insured for fair market value by underwriters who are part of Lloyds of London.
Once your jewellery has been appraised we create a condition report (for client reference and internal use only). It’s then professionally sealed and locked in our vault for the duration of the loan.

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