Cash is an important element of your financial security and wellbeing – mainly in the short to medium term. You may be saving for home improvements, a car or a deposit for a home, or even a rainy day. Sometimes you might need a temporary home for a much larger sum.

So where should you deposit your cash? While there are likely to be more attractive rates available elsewhere, you trust your High Street bank. It’s also easier than researching other options and opening new accounts.

We can introduce you to a simple, convenient and innovative solution. The SJP Cash Deposit Service, powered by Flagstone, makes your cash work harder. It’s a safe online cash management platform where you can help maximise your interest easily.

• It’s secure and easy to use - You can compare, open and manage multiple deposit accounts easily and efficiently.
• It helps maximise your interest - You get access to exclusive rates and hundreds of deposit accounts through a single source.
• It protects your cash - With a click you can make sure more of your money is eligible for the Financial Services Compensation Scheme (FSCS) by spreading your cash across multiple banks.

The minimum deposit required to open an SJP Cash Deposit Service account is £25,000 for personal clients and £250,000 for UK-based business, charity, SIPP, SSAS, trust or POA.

In conjunction with Metro Bank we can also provide access to trust savings accounts. The savings range is supported by a dedicated service centre at Metro Bank.

For more information on either of these services, please get in touch with us. Existing Metro Bank clients can log into internet banking.

Please note, this is a referral service and as such involves the referral to a service that is separate and distinct to those offered by St. James's Place.

We can help you with a comprehensive range of first charge mortgages, from across the marketplace, which lenders make available to mortgage intermediaries for which we will be paid a procuration fee by the lender. These will help meet all kinds of different needs and criteria. 

These include mortgages for the employed and self-employed, buy-to-let*, self-build mortgages, holiday homes in the UK, expats** and access to commercial mortgages, and mortgages for holiday homes abroad*. 

We can also set up Family Assistance for parents or grandparents helping their children and grandchildren onto the property ladder. 

First-time buyers

Whether you’re taking your first step onto the property ladder, or you’re a parent helping your child to buy their first home, we can find the right mortgage for you. We will manage the application process from start to finish, relieving you of much of the stress. 

Know your options

Buying a new home can be daunting and stressful, 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. 

Remortgaging

You might want to raise capital against your property, carry out home improvements or simply reduce your monthly outgoings by taking advantage of more competitive mortgage rates. If remortgaging is your priority, we will look after your application for you, from start to finish. 

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

Enquiries for Commercial mortgages and mortgages for holiday homes abroad will be referred to a service that is separate and distinct to those offered by St James's Place.

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

** subject to certain terms and conditions being met.

From time to time, we all find ourselves in the position of needing quick access to some extra cash. 

If this sounds like you, we might be able to help you use your St. James's Place and Rowan Dartington* investments as security for a short-term loan (subject to eligibility). 

Short-term loans are a popular way of accessing funds that you know you will need for only a short period of time. You might want to: 

• Bridge a residential property purchase 
• Make a one-off tax payment 
• Make a luxury purchase, such as a yacht or classic car 
• Carry out home improvements

St. James's Place and Rowan Dartington work with Metro Bank to make this short-term lending facility available to you, secured against your investment portfolio. 

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 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 bank. Rates and charges will apply. Please get in touch for full details. 

Please note that these services are separate and distinct to those offered by St. James's Place.

*Rowan Dartington is the discretionary fund management and stockbroking arm of St. James's Place, which is wholly owned by the St. James's Place Group, and provides a range of additional, complementary wealth management services.