Valuation process
Find out how we value watches and jewellery. Get a free, instant online valuation for watches and jewellery, whether you're seeking pawn lending or selling.
How we value your luxury assets
Our luxury asset specialists thouroughly assess each item considering its quality, provenance and market value to deliver a competitive valuation.
Valuing your jewellery
Our highly trained specialists consider many factors when completing a jewellery valuation. The most important factors are:
- Brand: Prestigious brands such as Cartier, Tiffany, and Van Cleef often achieve higher values due to their desirability.
- Provenance: Original receipts, certificates, or accompanying paperwork can enhance value, although not essential.
- Materials: We assess the precious metals used, including gold, platinum, and silver, as well as their purity and hallmarks.
- Condition: Minor wear is expected, while significant damage may reduce the valuation.
Valuing your watch
Our highly trained specialists consider many factors when completing a watch valuation. The most important factors are:
- Brand & Model: Brands such as Rolex and Patek Philippe along with limited editions, often achieve higher values.
- Provenance: Original boxes, warranty cards, certificates, and service records can enhance value, although not essential.
- Condition: Minor wear is expected, while significant scratches, dents or repairs may reduce the valuation.
- Age: Modern watches achieve higher values when newer, while vintage watches are valued for rarity and originality.
Valuing your handbag
Our highly trained specialists consider many factors when completing a handbag valuation. The most important factors are:
- Brand & Style: Brands such as Hermès, Chanel, and Louis Vuitton, or limited-edition styles, achieve higher values.
- Provenance: Original boxes, dust bags, authenticity cards, and receipts can enhance value, although not essential.
- Condition: Handbags must be in excellent condition with no damage or wear to the leather or hardware.
- Materials: Premium leathers, exotic skins, and high-quality craftsmanship achieve higher values than standard materials.
Valuing your gold
Our highly trained specialists consider many factors when completing a gold valuation. The most important factors are:
- Purity: Higher purity gold, such as 24ct, is generally worth more than lower carat gold.
- Weight: The heavier your item, the more gold you have and the greater its intrinsic value.
- Hallmarks: Official hallmarks confirm the gold's purity and authenticity, helping support its value.
- Gold Price: We use the latest live gold prices to ensure our valuations reflect current market conditions.
What are the different types of valuations?
We base our offers on resale valuations, reflecting what your item is likely to achieve on today's market, while there are other types of valuations for different purposes.
Loan to value by luxury asset
Loan to value is how much we can lend as a percentage of an asset's resale or auction based value. It differs by type, so here is the rate and minimum loan for each.
Get started
Get in touch with our team for a free quote and start raising money on your luxury assets today. It only takes a few minutes to get started.
Our pawn shop interest rates
Our loan interest rates are lower than the UK's leading pawnbroker. For loans over £15,000, our rates vary, please get in touch.
Our loan rates
All loans are for 6 months and secured against your luxury assets. Maximum APR (including all fees) 93.21%. Loans may be redeemed at any time during the term. If redeemed early, only the loan amount and accrued monthly interest are payable. Representative Example: £1,000 over 6 months at 6.5% per month (fixed). Total repayable £1,390. Representative APR 93.21%. Risk Warning: If the loan is not repaid, the assets may be sold.