Access to Specialist Banking and Mortgages

With the fear of stating the obvious, everybody’s financial circumstances are different. When it comes to managing your finances, one size does not fit all.

Everyone needs a comprehensive financial plan that not only fits with your long-term strategy, but covers cash management which is particularly important if you’re searching for a mortgage.

That’s why we offer an extensive range of services, all of which can be tailored to suit your individual needs.

If you are looking to secure a mortgage, we can help. We have access to some of the most competitive interest rates, allowing you to make an informed decision about which route is best for you and your family.

We can help you navigate everything from day-to-day cash management, loans and other types of borrowing so you can maximise the value of your money.


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

Managing your cash.

Cash management is a crucial element of your financial security in the short to medium term. You may be depositing your cash into your high street bank, or building society, but there are likely more attractive rates available elsewhere. So where should you deposit and how do you research it?

That’s where we can help. Our team of experienced advisers can offer advice on the most suitable, and cost-effective, cash management solution for your circumstances. Such as, current accounts, fixed term deposits, structured savings products, ISAs as well as long - and short-term loans. So, if you are saving for unexpected expenses, home improvements, a car, or a deposit for a home, or even a rainy day we can provide the best solution for you.

We can introduce you to a simple, convenient, and innovative solution; the SJP Cash Deposit Service* powered by Flagstone. This service makes your cash work harder and is a safe online cash management platform enabling you to 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.

Through St. James's Place, in collaboration with Metro bank, we can also provide access to a range of exclusive savings accounts, including: 

  • Instant access and fixed-term accounts 
  • Cash ISAs and trust accounts

The savings range is supported by the dedicated service centre at Metro Bank.

We understand that no two people have the same financial situation or requirements, so we make sure to take a tailored approach when offering advice and guidance on cash management solutions. For more information on either of these services, please get in touch with us.

*The minimum deposit required to open an SJP Cash Deposit Service account is £50,000 for personal clients and £250,000 for corporate and charity clients.

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


The marketplace is overflowing with mortgages from all sorts of lenders. You don’t need to be a first-time buyer to feel confused about which type of mortgage suits you best. As a St. Jame’s Place Partner, we have access to a comprehensive range of mortgages available, from across the marketplace.

We can advise and provide mortgages for:

  • The Employed & Self-employed
  • Help-to-Buy
  • Buy-to-let*
  • Self-build mortgages
  • Holiday homes in the UK and abroad,
  • Expats
  • Commercial mortgages*.

First-time buyers

Taking the leap onto the property ladder is one of life’s major milestones. Making the right choice now is imperative. You might feel as if you’re too young to have a financial plan in place, but you’re not! It is never too early to start planning your financial future. We can help you find the right mortgage and take your first steps into financial independence. If you’re a parent looking to help your child buy their first home, we can help you secure the right product for both you and your child. We can manage the application process from start to finish, relieving you of the stress surrounding buying a first home.

Know your mortgage options

Fixed rate, tracker, flexible or offset … which is best for you? Our highly experienced and qualified mortgage partners will help you nail down the right choice for today and all of your tomorrows.


There are lots of reasons why you might want to remortgage your property, from funding home improvements to securing a better deal to help reduce your monthly outgoings. It’s especially important to consider the long term impact of remortgaging to ensure that short term gains, don’t lead to long term pain. Our partners have decades of experience, finding solutions for every type of need. 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.

We can 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

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

Other Lending.

Every once in a while, we all need fast access to some additional funds. Short-term loans are a popular way of accessing funds that you know you will need for only a short period of time.

You may need to:

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

We offer tailored financing solutions to private parties, trusts, and corporate entities alike.

If this sounds like something you may need, you may be able to use your St. James's Place and Rowan Dartington investments as security for a short-term loan (subject to eligibility). To ensure you have short-term liquidity, St. James's Place and Rowan Dartington collaborate with Metro Bank and Credit Suisse to bring these lending facilities directly to you. Your investments can be used as security for the transaction in order for this service to work properly.

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.

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

Our Clients Love Us

Having invested with SJP with the help of Jayna Shah – Director (Brighton Office) – I have nothing but praise for the diligence, and care, she affords her prospective and current clients. Her understanding of the products in relation to client needs, along with the support, are ‘second to none’. I more than highly recommend JPS to anyone.

Roger Warren Cabinet Maker, Brighton

Jayna Shah is an exceptionally devoted consultant who goes the extra mile. The Directors at Hunters have no hesitation in recommending Jayna's services to anyone searching for carefully considered pensions and investments advice. What sets Jayna apart is that she is very patient, personable and helpful. The very definition of a 5 Star service.

Patrick O’Donoghue Business owner/Director, Shoreham-by-Sea

Jayna is a professional. Clearly at the top of her game. Her work transferring my pension was exceptional!

Mark Harvey Senior Finance Manager, Hove

Jayna clearly explains all the complex aspects of retirement funding. She is patient and does not rush me to make decisions, showing me the pros and cons of various options. I am very happy with the advice and service provided by Jayna and would happily recommend her to others.

Sonja Stewart Senior Regulatory Affairs Manager

Jayna has been very helpful & professional. She provided excellent pension advice to me. I would certainly recommend her to others.

Ian Shears Brighton

Jayna is both friendly and approachable, professional and knowledgeable. It has been a pleasure to do business with her.

Xanna Chown

Jayna's advice when it comes to both my pension and finances has always been second to none. I would recommend her services. My wife has also just started a pension and is also very impressed.

Peter Holland Business owner
SJP Approved 17/04/2023

The Partner Practice is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

JPS Wealth Management Ltd is registered in England and Wales, Number 09274545. Registered Office: 14a Montpelier Place, Brighton, BN1 3BF.