Banking & Mortgages
We can offer you access to the SJP Cash Deposit Service, powered by Flagstone, who provide day-to-day current and savings accounts, and also cash management services for those you have larger amounts to hold as cash.
The cash management service operated by Flagstone is an online cash management portal that helps you deposit cash across more than 50 different banks and building societies in a simple and convenient manner. It only requires one application form and enables you to spread your cash across different instant access, short- and medium-term deposit accounts, helping you minimise the risk relative to the FSCS limits.*
For deposits greater than £250,000, this service is available for personal, corporate, charity, trust and pension cash, and for deposits between £50,000 and £250,000 it is available for private individuals.
We offer a comprehensive range of first charge mortgages from across the market, that lenders make available to mortgage intermediaries, to the employed and self-employed, buy-to-let mortgages, mortgages for those engaged in self-build and for holiday homes in the UK, as well as for expats** and can facilitate the referral in respect of clients who want a commercial mortgage.***
Our mortgages are available for those looking to purchase their first home, purchasing a second property or for those looking to remortgage.
Further, for parents and grandparents who want to help their children and grandchildren purchase their first home, we offer intergenerational mortgages.
The next step is to tell us what’s important to you and your financial goals, so that we can start your journey of wealth management.
The home on which the mortgage is secured may be repossessed if repayments are not maintained.
* The SJP Cash Deposit Service Powered by Flagstone involves the referral to a service which is separate and distinct to those of by St. James’s Place.
** Subject to certain terms and conditions being met.
*** Commercial and some buy to let mortgages are not regulated by the Financial Conduct Authority.