Specialist Banking and Mortgages

What we can do for you.

With so many to choose from, deciding on the right lender or provider for you should be a well-informed decision. Our transparent advice will be tailored to your individual circumstances — helping you to reach your goals.

Managing Your Cash

  • Referral to Flagstone* — an online cash management portal
  • Manage your cash deposits across a panel of more than 20 provider banks and hundreds of different deposit accounts at the touch of a button
  • Only one application is required to switch between banks
  • Maximise interest rates
  • Minimise risk by diversifying deposits
  • Minimum of £50,000 cash to deposit
  • Private individuals, business and charity clients
  • SIPP/SSAS and other trust accounts
  • Tailored financial solutions for your individual circumstances

*Flagstone is St. James’s Place preferred provider for cash management services.

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Mortgages

  • Comprehensive range of mortgages
  • Intergenerational mortgages for parent and grandparents wishing to help children and grandchildren onto the property ladder
  • Mortgage solutions for first-time buyers
  • Expert mortgage Partners will guide you from application to completion
  • Remortgaging applications
  • Buy To Lets (individual/portfolio)
  • Capital raising
  • New Builds
  • Government schemes
  • Product Transfers

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

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

Other Lending

  • Use your current investments as security for a short-term loan – subject to eligibility
  • Bridge a residential property purchase
  • One-off tax payments
  • Luxury purchase, such as a yacht or a classic car
  • Home improvements
  • May be available to private individuals, trusts and corporate clients
Some of these services may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.
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Make the most of your money: start your financial planning today.