Luxury Watches

Patek Philippe, Breitling, Audemars Piguet. From the finest contemporary watch makers, to unique vintage pieces, we're experts at lending against every kind of timepiece.

  • While these are just some of the criteria we use to determine loan value, keep in mind that every appraisal is unique. Each watch must have minimum valuation of £5,000. The minimum loan value for watches is £10,000:


      Brand and Model - unquestionably a major determinant of value


      Condition - scratches, dents, restorations and replaced parts decrease value


      Scarcity - both modern and vintage watches are more valuable when produced in limited quantities, or when few have survived


      Age - for contemporary watches, the value is typically higher when the item is newer. Vintage models are valued based on rarity and condition


      "Provenance" - the original box, a bill of sale, or any papers that are associated with the watch will add value

    In addition, our valuers combine their own current market knowledge with insights from manufacturer databases, when available; this includes Rolex and Breitling repair centres as well as auction records, from auction houses themselves and third-party data collectors. As part of our diligence we also look for a match with registers of lost and stolen items.

  • You can be confident that we watch your watches. Because we know how important they are, both financially and emotionally. We offer a number of options for getting your watch to us:


      Special Delivery Label: Use a free & insured Special Delivery Label to send your watch to us for a guaranteed next day delivery


      Collection: Depending on the value of the watch, we can send a courier to pick it up and deliver it to us with the highest level of attention and security. Of course, we'll arrange this at a time and place convenient for you


      Bring your watch to us: Your time is as valuable as your assets. So make an appointment and one of our expert appraisers along with your account manager, will be ready to meet & greet and appraise your watch as soon as you show up


      Home appraisal: If you have a high-value watch collection or you are looking to use multiple assets to secure your loan, one of our expert appraisers can come to you to appraise your assets on location

  • With Borro you have the confidence of end-to-end insurance. That means your watch (or watches) are protected from the moment they leave your hands, until you have them safely and securely returned to you, once your loan is repaid.

    The minimum insurance is the fair market value of your assets; never less, often more. This is provided by both our courier and storage partners, as well as by our own insurance, which is provided by underwriters who are part of Lloyds of London. Need we say more?

    In Transit:


      If you send your watch to us using our free Special Delivery Label, your assets are insured up to the value of £100,000


      For a collection of your watch by a specialist courier service you are insured up to £100,000


      If one of our appraisers takes your watch collection with them to our valuation centre after a home appraisal, or if it is collected by a Borro employee, you are insured up to £500,000


      In special cases we will make bespoke arrangements to get your watch to us. We will always ensure your items are fully covered

    With Us:

    When your watches arrive at our valuation centre they are handled under CCTV, barcoded with a unique ID code and photographed.

    While your watches are with us for the valuation process, as well as for the duration of your loan, they are stored in our highly secure vaults and are fully insured up to their fair market value.

  • When your watch is with us, we ensure that it is well-cared for. Along with being photographed upon receipt, your watch will be stored at our high-security storage facility. If your watch does not already have a box, we will provide one to keep it protected. When necessary, we will request your watch back from storage on a monthly basis for a movement check and watch wind.

    At the specialist's discretion, if your watch should need a cosmetic polish, we can provide that for you at no extra cost and depending on the value of the loan.

Speak with our experts

0800 056 1000 — OR —

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How much is my luxury watch worth?