Banking & Mortgages

People have little time to manage their finances as effectively as they would like. An adviser can take the time to get to know you and your requirements before finding the right solution to make your money work harder.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Managing Your Cash

Holding adequate cash reserves is important and offers reassurance for meeting those unexpected expenses. Whether you are simply looking to hold some cash for a ‘rainy day fund’, need a temporary home for a much larger sum or need a simple solution to help maximise the interest rate you receive, we can access an appropriate solution.

Savings

In conjunction with Metro Bank, get access to a range of exclusive savings accounts, including:

  • instant access
  • fixed-term (ranging from 12 to 36 months)
  • cash ISAs
  • trust accounts (instant access and fixed-term available)

The savings range is supported by the dedicated service team at Metro Bank.

Cash Management

Researching the best bank offerings and maintaining multiple accounts can be a time-consuming process.  We can introduce you to Flagstone, which can provide simple, convenient and innovative solution to these problems.

Flagstone provides an online cash management portal that enables you to manage your cash deposits across a panel of more than 20 banks and hundreds of deposit accounts at the push of a button.

You only need to complete a single application with Flagstone to switch between banks.

You can use the portal to help maximise interest rates or minimise risk by spreading deposits across a number of banks, thus managing Financial Services Compensation Scheme limits.

This cash management service is available through Flagstone to:

  • clients with a minimum of £250,000 cash to deposit
  • private individuals
  • business clients
  • charity clients
  • SIPP/SSAS and other trust accounts.

Flagstone also offers a range of fixed term deposits for private individuals with £50,000 and £250,000.

Mortgages

Consider a comprehensive range of first charge mortgages, from across the marketplace to meet an array of needs and criteria: the employed and self-employed, Help-to-Buy, buy-to-let*, self-builds, UK and foreign holiday-homes, expats and commercial. *

There are also intergenerational mortgages for parents and grandparents wishing to help their children and grandchildren onto the property ladder.

Find out how much you could borrow using our calculator.

The home on which the mortgage is secured may be repossessed if repayments are not maintained.

*Commercial and some buy to let mortgages are not regulated by the Financial Conduct Authority.

First Time Buyers

Whether you’re taking your first step onto the property ladder, or you’re a parent or grandparent looking to help your child or grandchild purchase their first home, we are able to access an appropriate mortgage product that suits your needs.

Furthermore, you can choose to have the application process managed for you, from start to finish.

We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries.  A procuration fee is paid to the intermediaries by the lender.

For more information, download our Guide for First-Time Buyers.

Purchasing

Whether you are looking to move up the property ladder, buy your ‘forever’ home or purchase a property to let*, you'll get access to a comprehensive range of first charge mortgages from across the market.

Buying a new home can be a daunting and stressful process, so being guided through the maze of options is a huge help.

Be supported every step of the way.

Find out more about Help-to-Buy, self-build, expat and holiday home market mortgages. Or even intergenerational mortgages for parents and grandparents to help their children and grandchildren onto the property ladder.

*Some buy to let mortgages are not regulated by the Financial Conduct Authority.

The home on which the mortgage is secured may be repossessed if repayments are not maintained.

Remortgaging

Whatever your reason for remortgaging, find the right solution.

Whether it be to raise capital against your property, carry out home improvements or simply reduce your monthly expenditure by taking advantage of more competitive rates, we will manage your application from start to finish, alleviating the burden and stress on you.

We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries.

A procuration fee is paid to the intermediaries by the lender.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Other Lending

If you have a borrowing requirement you may (subject to eligibility) be able to use your St. James's Place and Rowan Dartington# investments as security for a short-term borrowing facility.

Your short-term borrowing needs may include:

  • bridging a residential property purchase
  • one-off tax payments
  • a luxury purchase - such as artwork
  • home improvements.

Flexible lending facilities may be made available to individuals, trusts and corporate clients.

St. James's Place and Rowan Dartington work with Metro Bank and Credit Suisse to make available these lending facilities - both provide short-term liquidity facilities secured against investment portfolios.

If the value of the investment falls in relation to the agreed loan facility, the loan may need to be repaid in full. Metro Bank and Credit Suisse will take a charge over your investments and you will be unable to make any withdrawals from your charged investments without prior approval from the relevant bank. Rates and charges will apply.

#Rowan Dartington is the discretionary fund management and stockbrocking arm of St. James's Place, and provides a range of additional, complementary wealth management services.

Find an adviser

Our experienced advisers offer professional, tailored, face-to-face advice based on your current circumstances and future aspirations. Start your journey now and find a St. James's Place Partner in your local area.

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St. James's Place Guarantee

St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group's website.