ACCESS TO SPECIALIST BANKING AND MORTGAGES

Staying on top of the best bank accounts is a time-consuming task. Your aim is simple – to maximise the interest rates you receive on your cash – but this means opening and closing accounts, moving funds and keeping tabs on each institution’s offering.

We can simplify this process by introducing you to the SJP Cash Deposit Service, powered by Flagstone, a simple and convenient cash management portal. This online resource allows you to manage your cash deposits across more than 60 banks and hundreds of deposit accounts, transferring funds quickly and easily to help maximise interest rates.

Please note that this service is separate and distinct from those offered by St James’s Place.

Getting the balance right between ease of access and higher interest rates can be a challenge, but we provide access to accounts that can maximum use of your funds.

We work with Metro Bank to provide instant-access trust accounts. These come with a team of experts just a phone call away at The Trust Centre to answer your questions. Speak to one of our advisers for more information.

Please note that the service provided by Metro Bank is separate and distinct to those offered by St. James’s Place.

Trusts are not regulated by the Financial Conduct Authority

There are mortgage products to suit a huge range of borrowers, but with so many available, how can you be sure you’ve found the right one for you?

We take time to understand your situation in detail, before guiding you through the potential options and helping you select the best one.

We are respected mortgage intermediaries, so have access to a comprehensive range of first charge products from across the marketplace, including solutions for the employed and self-employed, commercial mortgages*, buy-to-let*, self-builds, holiday homes in the UK and expats**. We also offer intergenerational mortgages for parents or grandparents who want to help subsequent generations get onto the property ladder.

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.

*All enquiries for commercial mortgages will be referred to a service that is separate and distinct to those offered by St. James’s Place.

**Subject to certain terms and conditions being met

The mortgage market can be a confusing place for anyone, but particularly for first-time buyers. If you are taking your first step on the property ladder – or you’re a parent or grandparent helping children or grandchildren buy their first home – our expert advice will prove invaluable.

We have access to a wide range of first charge mortgages from across the market and can help you select the right one for your needs. We also manage the whole process from beginning to end, taking away the hassles and headaches from what can be a famously stressful process.

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

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

There are many reasons for buying a new property. You may be moving up the property ladder, downsizing now your children have left home, relocating due to work or perhaps you simply want to live in a new area.

Whatever your situation, we can guide you through the mortgage maze, accessing a wide range of solutions including fixed rates, trackers, flexible and offset mortgages.

Not only do we help find the right mortgage product, we also take away the stress and strain by managing the whole process from start to finish. With our help, you can concentrate on finding the right property while we do all the hard work.

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

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

Whether you want to raise capital against your property, make a few home improvements or just reduce your monthly outgoings by finding a lower interest rate, we help make remortgaging a smooth and stress-free process.

We have access to a wide range of first charge mortgages from across the market which lenders make available to mortgage intermediaries and will guide you through the possibilities, explaining everything in language you understand and helping you find the right solution.

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

Short-term borrowing can be a convenient way to fund a range of requirements, from home improvements to luxury purchases and one-off tax payments.

One way of accessing the funds you need could be to use your eligible St James’s Place and Rowan Dartington investments as security for a short-term loan.

As with all borrowing, these arrangements are subject to eligibility, and care must be taken due to the possibility that the value of your investment may fall. We work with you to explain the details, smooth the application process and help you access a borrowing facility that meets your needs.

St. James’s Place and Rowan Dartington work with Metro Bank and Credit Suisse to make available these lending facilities to clients. 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, please get in touch for full details.