FREQUENTLY ASKED
Answers specific to Patek Philippe — which references we lend against, how they are priced, and what documentation matters when the watch is a Nautilus, an Aquanaut or a complication. For specifics about your asset, email hi@luxuryassetloans.com.
The core families are the Nautilus (5711/1A, 5712/1A, 5980/1A, 5990/1A, 5990/1R), the Aquanaut (5167A, 5168G, 5167R, 5164A), the Calatrava (5196, 5227, 5119, 5235, 6119), perpetual calendars (5327, 5320G, 5236P), annual calendar and world-time references (5905P, 5230G, 5170, 5172) and vintage pieces.
It is the highest loan-to-value of any watch brand in our book — up to 65% — because the pieces are quoted against a real secondary-market exit rather than a retail list price.
Yes. The wholesale floor on the 5711 shifts from week to week with auction results, so a quote is tied to what the watch would fetch now, not to last month’s number. If you are comparing offers, compare them on the same day.
Box and papers support authenticity and help value. For older or complicated pieces, a documented service history and, where available, an Extract from the Archives requested from Patek Philippe add confidence. On perpetual calendars especially, authenticity and service paperwork are critical.
It can. Condition and originality are judged at in-person appraisal, and non-original parts or heavy polishing may lower what can be offered against the watch.
Vintage Calatrava, World Time and perpetual chronograph references are priced against auction results instead of dealer lists, so the specific reference, dial and documented history drive the number.
It speeds things up. Send the reference number (printed on the case back or in the papers) and a few photos, and you can get a quote against the actual market before travelling to appraisal.
Funding in about 24 hours is the standard for watches once the piece has been appraised in person.
Not automatically. Aquanaut terms approach the Nautilus on the strongest references, while complicated pieces are judged on the strength of their documentation and service records.
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