We have access to a range of products and services that have been designed with you in mind. We can also offer support with day-to-day cash management* and the opportunities available when it comes to specialist borrowing. We don’t simply base our advice on just your finances either; instead, we take the time to get to know our clients with a holistic approach, advising with options that will fit with your lifestyle, family and financial objectives.
No matter where you’re at in your mortgage journey, our advisers are here to talk you through the process and help put you in control of your finances and future.
*Through SJP’s cash management service powered by Flagstone. Please note this is a referral service and as such is separate and distinct to services offered by St. James’s Place.
When you sit down with one of our advisers, either face to face or online, we’ll take the time to get to know you and your requirements, advising on how to effectively manage your finances, find the right mortgage, or investigate additional lending.
Once we’ve gained a well-rounded idea of your specific situation and circumstances, we can introduce you to an appropriate provider.
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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.
Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.
Set your communication preferences to receive your digital reports and electronic correspondence.
Make online debit card payment for ISA and any JISA top ups with a debit card
linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of
this valuation. Instant notifications when a new document is available to view.
For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600
Equity release can be used for a variety of scenarios; the process frees some of the value tied up in your property. This money could then be used to help a family member get on the property ladder, pay off debts or make a substantial purchase. Talk to one of our advisers for more information.
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Equity Release is a lifetime mortgage or home reversion plan. To understand the features and risks associated with such products, please ask for a personalised illustration.
The difficulties facing younger people joining the ranks of homeownership are well-reported, with renting often now stretching well into one’s thirties and beyond. Consequently, an increasing number of parents and grandparents are stepping in to help children onto the housing ladder. We’re here to help families find ways to support loved ones buying their first home.
As well as providing advice about different mortgage options, our advisers can offer information about mortgage protection – a way to prepare for the unexpected. When taking out a mortgage, or loan, you become tied to a contract of repayments which are usually based on your current income. If your circumstances were to change, for example through illness or another life-changing event, it may become difficult to meet the repayments. We provide advice and services covering all forms of life insurance, critical illness cover and disability insurance, preparing you and your family for all eventualities and making it easy to know what options are available to you.
When it comes to mortgages and your home, we understand how much of an impact your decisions can have on yourself and your family. Our aim is to provide more than just accurate mortgage advice – we look to provide tailored advice that focuses on your current situation and future goals, helping you achieve your objectives both with your mortgage and beyond.
Your home may be repossessed if you do not keep up repayments on your mortgage.
For more details about services that we offer reach out to us on 01202 695801, or click the button below.
