Watches
How much can I borrow against my Audemars Piguet watch in Australia?
Three Royal Oaks in one 2026 Phillips sale went for US$24,130, US$60,960 and US$139,700. Why the reference number, not the brand, sets the number.
Insights & perspective
Notes on value, liquidity and the assets worth keeping.
Specialist commentary on the markets behind fine watches, art, jewellery, cars and bullion — and how private clients put them to work.
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Gold
How much can I borrow against my gold bullion in Australia?
Spot price, collateral value and loan amount are three different numbers. How a lender moves from a dated market reference to an indicative advance.
Watches
How much can I borrow against my Richard Mille watch in Australia?
No fixed figure and no universal percentage. The exact reference, condition, documentation and buyer depth decide what a particular Richard Mille can support.
Jewellery
Lending against Argyle pink diamonds.
The mine has closed and the supply is finite — but a lender still assesses one stone at a time. What has to be established about identity, colour, documentation and demand.
Market
The case for liquidity without giving up ownership.
Selling is final. Borrowing against an asset can preserve ownership and future value exposure while solving a timing problem — but only when the costs, controls and repayment plan are credible.
Art
Reading an auction result before you rely on it.
A single hammer price rarely tells the whole story. Price basis, lot identity, condition, sale mechanics and bidder depth decide whether a published result is a comparable at all.
Watches
How lenders assess Rolex, Patek Philippe and Richard Mille watches in Australia.
Established secondary markets can provide stronger completed-sale evidence, but financeability still depends on the exact watch, its condition and documentation, and the proposed legal, custody and sale structure.
Watches
How lenders assess independent and complicated watches.
Independents, dress watches and complications now attract a wider collector base — but liquidity is still proven at the exact reference and configuration level, one watch at a time.
Art
How lenders assess blue-chip art as collateral.
There is no universal loan-to-value figure for a painting. Identity, liquidity and control — provenance, catalogue raisonné status, market depth and condition — decide what a work can responsibly secure.
Watches
How much can I borrow against a Rolex in Australia?
There is no fixed figure. Realisable market value, condition, documentation and ALYRA's $50,000 minimum decide what a Rolex — or a collection — can actually support.
Watches
How watch service history affects your loan offer.
Documented, authorised servicing can strengthen an offer — but replacing original parts can quietly cut it. How a specialist actually weighs the record.
Gold
Gold and bullion as collateral: a practical guide.
Physical gold can be a useful private asset, but it is not automatically good collateral. How bullion is assessed — purity, ownership, storage, control, valuation, liquidity and enforceability.
Cars
Which prestige car marques actually hold their value in Australia in 2026.
Ferrari and Porsche lead the conversation, but the badge is only the beginning. Model, specification, kilometres, documentation and sale channel decide the real number.
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