Borrow against Fine Wine

Your bottles of fine wine can open a short-term Unbolted loan.

Unlock the value of your Mouton Rothschild, Petrus, Margaux, Latour or Domaine de la Romanée Conti. Unbolted lends against all collectible wines, be they Bordeaux first growth, Penfold Grange or a rare Californian.

We ask only that you have the provenance and that the wines are stored in appropriate climate-controlled conditions - two factors our wine specialists can quickly confirm.

Tell us about your wine

To borrow against your wine collection, we will need to know a few details:

  • Name and vintage.
  • Number of cases (12 x 75 cl case formats).
  • Storage conditions and bond details.
  • Provenance.
Ready to apply? It's fast and simple.

For an instant loan against your fine wine collection just complete a quick online application. There you can upload a photo and description of your wine. We will make a loan offer within a few hours - and disburse the loan as soon as we verify provenance.

If your wine is stored with a specialist wine storage facility we may be able to leave it there. Alternatively, we will collect it from your cellar and keep it securely stored in a climate controlled environment.

Ready to get started?
Submit an application today

Valuing a Diamond

Valuing Your Fine Wine

At Unbolted, we appreciate that you have approached your collection with care and consideration. Grade wine is a valuable commodity and sales have been impressive. Whether your collection of fine wine is small or large, we will be diligent in obtaining a realistic and accuate valuation.

tab image

Specialists in Fine Wine

Unbolted has teamed up with IG Wines (www.igwines.com), a specialist fine wine merchant and investment advisory company based in the City of London. Although they specialise in Bordeaux, Burgundy and Italy, their panel of expert advisors cover most wine regions of the world.

Unbolted also uses services such as The London International Vintners Exchange (Live-ex) and Wine-Searcher.

tab image

Storage and Shipping of your Fine Wine

Unbolted recommends specialist wine delivery companies and most importantly to store fine wine ‘in bond’ (IB), which means in a bonded, ‘duty-paid’ warehouse such as London City Bond or Octavian Vaults. These bonded warehouses provide the optimum environment for storage, with the temperature, humidity and other microclimatic factors carefully regulated.

Our Guarantee

The lowest borrowing costs in UK

We believe that you cannot find a better offer but if you do we will beat it.

Fair and transparent terms

There are no hidden fees and charges. All storage and valuation costs are included.

You retain repayment flexibility - we don't impose early-repayment penalties.

If you find you can't pay back your loan we will sell your item - and we will return any surplus from that sale to you.

APR and Loan Terms

Minimum APR: 18.8%. Maximum APR: 63.1%.

All loans are for a fixed term of 6 months. You can repay early at any time without penalty.

Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 37.2% (fixed). Interest for 6 months: £766.32. Amount repayable in one installment: £4,886.32. Representative APR: 49.2%.

Risk Warning: If the loan is not repaid, the assets may be sold to recover the debt.

What our customers say

Borrow directly from peer-to-peer lenders at the lowest rates. Rep APR: 49.2%

Reflections

The market in fine wines, past and present (Part Two)

As we noted last time, fine wines are amongst the high-value assets we collateralise for our unique secured asset loans here at peer-to-peer lender Unbolted. If you invested in a crate or two costing hundreds in the 1980s, the chances are that your wine stash could be worth tens of ...

Read more

The market in fine wines, past and present (Part One)

Visitors with borrowing needs who’ve come to this p2p website (welcome, by the way) will quickly see that fine wines is amongst the high-value asset categories we collateralise for our low-interest secured asset loans. This week, we thought we’d take a little tour through the market in fine wines to shed ...

Read more

Release cash from fine wines with an Unbolted loan

Independent art dealers, as many of them will testify, frequently find themselves in need of fast access to cash. Making a killer purchase on behalf of a client who loves the style or artist that’s just become available sometimes necessitates raising extra funds quickly. On these occasions, many art dealers ...

Read more

Investing in Wine

When it comes to wine, we all know what we like to drink, but how many of us really know what we should invest in?  We find out….

Cyclical buying analysis suggests that volumes of Bordeaux First Growth increases in late August and early September in anticipation of the ...

Read more