We understand that people have little time to manage their finances as effectively as they would like. That’s why at St. James's Place we take the time to get to know you and your requirements, so that we can find the right solution to make your money work harder for you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
We have access to a range of solutions to help you manage your cash more efficiently and can introduce you to an appropriate provider.
We understand that 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.
Whether you are a first-time buyer, moving home or wishing to take advantage of a more competitive rate, it is important that you have the right mortgage in place.
We offer a comprehensive range of first charge mortgages from across the marketplace that lenders make available to mortgage intermediaries to meet an array of needs and criteria: the employed and self-employed, Help-to-Buy, buy-to-let*, self-builds, holiday homes in the UK and abroad, expats** and access to commercial.*
We also offer intergenerational mortgages for parents and grandparents wishing to help their children and grandchildren onto the property ladder.
We have access to a range of mortgages for first-time-buyers.
So 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 solution that suits your needs. Furthermore, we will manage the application process from start to finish, relieving you of much of the stress.
The home on which the mortgage is secured may be repossessed if repayments are not maintained
Click here to see how much you may be able to borrow.
Whether you are looking to move up the property ladder, buy your ‘forever’ home or purchase a property to let*, We have access to a comprehensive range of mortgages from across the market, which lenders make available to mortgage intermediaries for which We will be paid a procuration fee by the lender.
Buying a new home can be a daunting and stressful process, but our qualified mortgage Partners can guide you through the maze of options – fixed rate or tracker, flexible or offset - and support you every step of the way, from application to completion.
We can also support those in the Help-to-Buy, self-build, expat** and holiday home market, and offer intergenerational mortgages for parents and grandparents wishing to help their children and grandchildren onto the property ladder.
Click here to see how much you may be able to borrow.
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Whatever your reason for remortgaging, we can help you 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.
Click here to see how much you may be able to borrow.
Your home may be repossessed if you do not keep up repayments on your mortgage.
* Commercial and some buy to let mortgages are not regulated by the Financial Conduct Authority.
** Subject to status
If you have a borrowing requirement you may (subject to eligibility) be able to use your St. James’s Place investments as security for a short-term loan.
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:
Flexible lending facilities may be made available to private 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 to clients. Both provide short-term liquidity facilities secured against investment portfolios.
Please get in touch to find out more.
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.
We understand that 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.
We offer a comprehensive range of first charge mortgages from across the marketplace that lenders make available to mortgage intermediaries to meet an array of needs and criteria: the employed and self-employed, Help-to-Buy, buy-to-let*, self-builds, holiday homes in the UK and abroad, expats** and access to commercial.*
We also offer intergenerational mortgages for parents and grandparents wishing to help their children and grandchildren onto the property ladder.
We have access to a range of mortgages for first-time-buyers.
So 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 solution that suits your needs. Furthermore, we will manage the application process from start to finish, relieving you of much of the stress.
The home on which the mortgage is secured may be repossessed if repayments are not maintained
Click here to see how much you may be able to borrow.
Whether you are looking to move up the property ladder, buy your ‘forever’ home or purchase a property to let*, We have access to a comprehensive range of mortgages from across the market, which lenders make available to mortgage intermediaries for which We will be paid a procuration fee by the lender.
Buying a new home can be a daunting and stressful process, but our qualified mortgage Partners can guide you through the maze of options – fixed rate or tracker, flexible or offset - and support you every step of the way, from application to completion.
We can also support those in the Help-to-Buy, self-build, expat** and holiday home market, and offer intergenerational mortgages for parents and grandparents wishing to help their children and grandchildren onto the property ladder.
Click here to see how much you may be able to borrow.
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Whatever your reason for remortgaging, we can help you 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.
Click here to see how much you may be able to borrow.
Your home may be repossessed if you do not keep up repayments on your mortgage.
* Commercial and some buy to let mortgages are not regulated by the Financial Conduct Authority.
** Subject to status
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:
Flexible lending facilities may be made available to private 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 to clients. Both provide short-term liquidity facilities secured against investment portfolios.
Please get in touch to find out more.
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.
In the current Covid19 crisis, the Bank of England has cut the base rate to 0.1%, so we would urge those with tracker, variable-rate or fixed mortgages in place to review your existing mortgage deal. Use our mortgage calculator and see how much you could save on your existing mortgage. For those that need to take a mortgage holiday, please contact your current mortgage provider to understand the terms and to complete any required applications.
Find Out MoreYour home may be repossessed if you do not keep up repayments on your mortgage.
For more information, please feel free to Contact Us
