Buying a home is likely to be the single biggest purchase you’ll ever make. Whether you’re remortgaging, sizing up or down, moving for work or changing your lifestyle, it’s an exciting time – but it can be a stressful one. We’re all under time pressure, so having a financial adviser to guide you through the mortgage maze can really take the weight off your shoulders and give you confidence in your decision.  

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

Knowing that you have cash reserves ready to cover expenses, should life take an unexpected turn, is part of making sure you’re well prepared and financially protected. Managing that money, in the short to medium term, is key to financial wellbeing.  Let us help you plan your cash holdings or find a temporary ‘home’ for a larger sum such as an inheritance or bonus. Or, if you simply want to take the headache out of finding the best interest rates, we have an appropriate solution.   

Want to make your hard-earned cash savings work harder for you? The SJP Cash Deposit Service, powered by Flagstone, is simple, smart way to track the best interest rates on the market and move your money quickly and securely to take full advantage of the opportunities. Our SJP Cash Deposit Service gives you confidence and control of your cash savings in the following ways: 

Compare, open and manage multiple deposit accounts with the secure online platform.  

Maximise the amount of interest you earn – the one-time application sign up gives you access to exclusive rates and hundreds of deposit accounts.  

Protect your cash – at a click you can spread your cash assets across multiple banks – so more of your deposits are eligible for the Financial Services Compensation Scheme (FSCS). 

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.

The services provided by Flagstone involve the referral to a service which is separate and distinct to those offered by St. James's Place.

Metro Bank can provide exclusive access to trust savings accounts. The savings range is supported by a dedicated service centre at Metro Bank.  

The services provided by Metro Bank involve the referral to a service which is separate and distinct to those offered by St. James's Place.

The mortgage marketplace is a complex one, with a sometimes-dizzying array of choices. We’re happy to help guide you through a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries. We’ll help you choose the right mortgage, whether you are employed or self-employed, need advice on buy-to-let*, self-builds, or UK holiday-homes, for commercial* and expats**. 

And if you’re thinking of giving your children or grandchildren a financial helping hand to get onto the property ladder, ask us about our intergenerational mortgages. 

Find out how much you could borrow using our calculator.

The home or other property on which the mortgage is secured may be repossessed if repayments are not maintained. 

Advice given with regards a Commercial Mortgage will require the referral to a service that is separate and distinct from those offered by St. James's' Place.  

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

**Expat mortgages are subject to certain terms and conditions being met.  

Buying a new home is always an adventure. It can also be daunting, confusing, and sometimes overwhelming. So talking to a financial adviser to help you choose the right mortgage is both practical and reassuring. 

Whether you are looking to upsize, downsize, find, and finance, your ‘forever’ home or get into the buy-to-let* market, we have a comprehensive and competitive range of first charge mortgages to choose from. 

Don’t go it alone – we’re here to help and support.  

Find out more about self-build, expat** and holiday home market mortgages. Or even intergenerational mortgages for parents and grandparents to help their children and grandchildren onto the property ladder. 

The home or other property on which the mortgage is secured may be repossessed if repayments are not maintained. 

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

**Expat mortgages are subject to certain terms and conditions being met.  

Do you sometimes worry that the mortgage you started out with doesn’t suit your current situation? Maybe you’d like to reduce your monthly repayments a little? Or perhaps you want to raise some funds to build an extension or put in a new bathroom – or nursery. Remortgaging what you already own can be a useful, practical solution.   

We can help manage the remortgaging process from start to finish and offer you a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries. Some of these are exclusive to SJP and are not available on the High Street.  

Because we believe in financial advice for the long-term, we’ll look at your complete financial picture. That way we can help you find a mortgage that will suit you now, and in years to come.  

A procuration fee is paid to the intermediaries by the lender. 

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