The horological market has seen significant correction and stabilization over the last 24 months. As we approach 2026, the distinction between “hype” models and true investment-grade pieces has never been clearer. For the astute collector, understanding this nuance is essential for both acquisition and valuation.

Investment Grade vs. Hype

While the extreme volatility of the 2022-2023 market has subsided, core professional models—specifically the stainless steel Daytona, Submariner, and GMT-Master II—retain exceptional loan-to-value ratios. These references have proven to be resilient stores of value, immune to the fluctuations that have affected less established brands.

However, the criteria for maximum valuation have tightened. At Beverly Loan Company, our appraisers emphasize the “complete set” premium. In the current market, a timepiece accompanied by its original box, papers, and documented provenance commands a significantly higher percentage of value than a naked watch. The gap between “full set” and “watch only” prices is widening as collectors prioritize completeness and authenticity.

The Rise of Neo-Vintage

We are also observing a rising interest in neo-vintage references from the 1990s, particularly those utilizing tritium dials which develop a unique patina over time. These five-digit references (e.g., Submariner 16610, GMT-Master 16710) are becoming the new frontier for collectors priced out of the vintage market but seeking more character than modern ceramic models offer.

Whether you are looking to leverage a collection for a bridge loan or seeking an updated insurance valuation, expertise is required. Situated in the heart of Beverly Hills, our specialists possess the deep market knowledge required to accurately assess these nuances, ensuring you receive a loan offer commensurate with the true global market value of your timepiece.