Traditional mortgages and home equity loans require income verification, lengthy underwriting, and can take months to close. That process often slows down or jeopardizes fast-moving real estate opportunities. Spreadwise gives high-net-worth investors and advisors a faster, tax-efficient alternative.
The Spreadwise Advantage
Borrow against your investment portfolio using a fully deductible SPX box spread loan, a structure that functions like a synthetic zero-coupon bond.
Institutional-level rates often 2–3% below mortgage or HELOC options
No credit pull or income verification
Rapid funding, letting you close deals with cash-equivalent offers
Tax efficiency, as interest is treated as 60/40 capital gains (Section 1256)
Asset preservation, keeping your investments working instead of selling and realizing gains
