Pawn Your Fine Jewellery

Pawning your fine jewellery with New Bond Street Pawnbrokers in Mayfair, London offers several advantages over selling. You retain ownership of your cherished pieces while accessing quick funds. Our auction-based jewellery valuations ensure you receive a fair loan amount, and you can reclaim your items once the loan is repaid.

We lend against fine jewellery with a strong resale market. We commonly consider:

– Diamond rings, engagement rings, wedding bands and eternity rings.
– Diamond necklaces, pendants, bracelets, earrings and brooches.
– Sapphire, ruby and emerald jewellery, particularly where stones have recognised laboratory reports.
– Gold and platinum jewellery, including pieces set with diamonds or coloured gemstones.
– Antique, vintage and period jewellery.
– Signed jewellery by recognised maisons, including Cartier, Van Cleef & Arpels, Graff, Tiffany & Co., Bulgari, Harry Winston and Boucheron.
– Complete jewellery suites, matched earrings and necklace-and-bracelet sets.

We assess every item individually. A diamond-set platinum ring, a signed Cartier jewel and an unbranded gold necklace are all suitable collateral. However, the factors that determine value differ significantly between them.

Fine-jewellery valuation involves more than weighing the gold or estimating the total carat weight. We physically inspect the item and assess the gemstone content, metal, craftsmanship, condition, provenance and current market demand.

Our appraisal can include:

– Gemstone identification, quality, measurements and total carat weight.
– For diamonds: cut, colour, clarity, carat weight, fluorescence, natural origin and any treatment.
– For sapphires, rubies and emeralds: origin, colour, clarity and whether the stone has been heated or otherwise treated.
– Metal type, purity, hallmarks and weight, including 18ct gold, 22ct gold, platinum and palladium.
– Maker, signature, serial number, period, design and craftsmanship.
– Certificates, receipts, original box, pouch, service history and previous auction records.
– Condition of the stones, claws, settings, links, clasps and any enamel or delicate elements.
– Recent comparable auction sales for genuinely similar pieces.

In short, gemstone provenance and treatment history can matter as much as visual appearance, which is reflected in our process.

The amount available depends on the assessed resale value and liquidity of the individual item. We do not apply a single percentage to every piece because a signed diamond ring, an antique emerald brooch and an unbranded gold necklace each have different resale markets.

A higher loan-to-value outcome may be possible where jewellery has:

– High-quality natural diamonds or rare coloured gemstones.
– Current reports from GIA, SSEF, Gübelin, AGL or another recognised laboratory.
– A recognised maker or strong brand desirability.
– Excellent condition and secure settings.
– Complete supporting documents, including certificates, invoices and original presentation boxes.
– A clear and active auction or dealer market for comparable pieces.

A more cautious offer may apply where stones are treated, untested, heavily included, damaged, difficult to inspect in their settings or supported by limited comparable sales. The gold or platinum content still has value, but the presence of high-quality gemstones, specialist craftsmanship or a sought-after signature can materially increase the loan amount.

Generally speaking, you can expect to receive a loan between 50% and 70% of our valuation of the jewellery piece you offer as collateral – this is because pawnbrokers must always account for the possibility of re-selling easily the jewellery received in the undesirable situation when the loan is not repaid.

Yes. You can redeem your jewellery at any point during your agreed loan term by paying the loan capital and the interest due under your agreement.

Fine-jewellery loans are available over terms of two to seven months, at a fixed interest rate of 5% per month. There is no separate early-redemption penalty, but you should contact us before arranging collection so we can provide an up-to-date settlement figure.

For example, if you borrow £8,000 against a diamond engagement ring over four months at 5% monthly interest, the interest is £400 per month. If you decide to redeem after two months, the illustrated repayment would be £8,800.

In brief, we don’t charge penalties for early repayment. You’re welcome to redeem your jewellery at any time during the loan term.

Our standard loan term is up to 7 months, but this can be flexible based on your needs.

If you cannot repay, we may need to sell your jewellery to recover the loan amount. However, we always try to work with clients to find alternative solutions first.

They can. Certificates, invoices, reports and original branded packaging can make a valuation quicker and more reliable because they provide evidence of a jewel’s specifications, authenticity, ownership history and completeness.

Useful paperwork includes:

– Diamond reports from GIA, HRD, IGI or another recognised gem laboratory.
– Coloured-gemstone reports from GIA, SSEF, Gübelin, AGL or recognised specialists.
– Original purchase receipt or invoice.
– Brand certificate, guarantee card or service record.
– Original box, pouch and presentation case.
– Previous auction catalogues or independent valuation documents.
– Repair, resizing or restoration paperwork.

Yes, loan renewals are possible, subject to interest payment and reappraisal.

No. A jewellery loan is secured against the item itself rather than your credit score, income or borrowing history. We do not carry out a credit check, and making an enquiry does not affect your credit rating.

The lending decision is based on the jewellery’s authenticity, condition, resale value, documentation and market demand. Once the loan is repaid, your jewellery is returned to you.

If the loan is neither redeemed nor renewed in accordance with the agreement, the jewellery may be sold to recover the outstanding balance and interest. However, we always do our best to work with customers to find a solution that works for both of us.

For legal reasons, we cannot accept found jewellery. We only deal with pieces you can prove ownership of.

We may consider damaged pieces, but their condition will understandably affect the loan value. Our experts can assess damaged items from our New Bond Street location.

Our appraisers use their experience and various advanced techniques to spot fake jewellery, ensuring we only lend against genuine pieces.

1. Graff
2. Van Cleef & Arpels
3. Harry Winston
4. Tiffany
5. Cartier
6. Chopard
7. Boucheron
8. De Beers
9. Bulgari

Yes. Diamond rings and engagement rings are among the most commonly accepted forms of jewellery security. We consider solitaire rings, halo designs, three-stone rings, cluster rings, eternity rings and antique or vintage engagement rings, as well as branded diamond rings.

The value depends mainly on the central diamond or diamonds, but we also assess:

– Carat weight, cut, colour, clarity and natural origin.
– Whether the diamond is loose or can be inspected adequately in its setting.
– Diamond grading reports, particularly from GIA and other recognised laboratories.
– The ring’s metal, setting quality, craftsmanship and condition.
– Brand, design, serial number and original packaging where applicable.
– Additional gemstones, including sapphires, rubies or emeralds.
– Current demand for the diamond’s size, shape and quality.

Each diamond ring is valued differently. A smaller stone with strong colour, clarity, cut and certification may have a more reliable resale market than a larger stone with visible inclusions, weaker colour or limited documentation.

Yes. Once your loan is agreed, your jewellery is stored securely for the duration of the active agreement. It is never displayed, worn, lent out or sold while the loan remains active and you remain within its terms.

Fine jewellery requires secure handling and suitable storage. Diamonds and precious metals are robust in many respects, but jewellery can still be damaged through unnecessary handling, poorly protected clasps, abrasion between stones, humidity, dust or inappropriate storage of delicate enamel, pearls and antique settings.

Your jewellery is protected through:

– Restricted access for authorised personnel only.
– 24-hour surveillance and alarm systems.
– Secure, appropriate storage designed for high-value items.
– Careful handling to minimise avoidable contact and damage.

For particularly valuable jewellery, collections or delicate antique pieces, we can discuss discreet handover, collection and secure transport arrangements where appropriate.

Yes. You can begin online, by telephone or in person. An initial indication can often be provided once we have photographs and key details, but a final loan offer requires a physical inspection of the jewellery.

To help us assess your item promptly, provide:

– Clear photographs of the front, reverse, signature, hallmark and any serial number.
– Details of diamonds or coloured gemstones, including carat weights and certificates.
– Information on brand, purchase date, condition and any repairs or resizing.
– Copies of receipts, certificates, laboratory reports and prior valuations.
– Photographs of the original box, papers or service documentation, if available.

Once the jewellery has been inspected, we agree a loan amount and sign documentation. From there, funds are normally transferred to your bank account the same day.

Some pieces may require further assessment. For example, a high-value coloured gemstone may need its laboratory report reviewed, while a rare antique jewel may require additional research into maker, period or condition before we can make a final offer.