Banking and lending

A range of quality banking services to complement our planning and portfolio management services.

As a bank regulated by the UK Prudential Regulation Authority, our highly experienced treasury and banking team is able to offer our clients a range of quality banking services.

We pride ourselves on the speed of response and flexibility with which we address our clients’ banking needs which may include:

  • Loans secured against residential UK property or your discretionary investment portfolios
  • Accounts in a variety of currencies
  • Competitive rates on foreign exchange transactions

Loans secured against property

We understand the timing issues often associated with borrowing against property and pride ourselves on the speed of response and quality of service you will receive from our banking team. We specialise in offering loans against residential property with a minimum loan size of £500,000 and a maximum loan-to-value of 60%. We offer residential and buy-to-let mortgages, and can offer both fixed and variable rates.

Further details of our rates and deals are available on application.

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

Loans secured against your investment portfolios

We offer loans secured against your discretionary portfolio of investments managed by us. The minimum loan size is £250,000 and the term can be up to five years, on an interest-only basis. Because liquidity needs can change unexpectedly, loans can be redeemed in part or in full in those instances where clients choose to borrow on a flexible interest rate, at any time with no redemption penalty.

Loan rates are available on application.

Cash Administration Service and Deposit accounts

Cash Administration Service (CAS)

For clients holding significant sums in cash and wishing to diversify the risk of exposure to a single counterparty, our Cash Administration Service can enhance the interest they receive and provide access to a number of financial institutions.

Clients using this service have two options:

  • A Designated Client Account ("DCA") with an external Approved Counterparty: available for sums of over £1 million for new clients and £500,000 for existing clients.
  • The second option is a Third Party Authority ("TPA") account, with a minimum cash requirement of £3 million, where we will arrange for our clients to hold deposits in their own names with external Approved Counterparties.

View CAS current rates

Deposit accounts

We also offer instant access accounts and fixed term deposit accounts.

View deposit accounts current rates

Foreign Exchange Services

As a major international wealth manager with clients often operating on a global stage, we offer a number of foreign exchange services including spot and forward foreign exchange contracts.

Please contact your portfolio manager for more information about this service and the current rates available.

Contact us

To discuss your wealth management requirements, or to find out more about our banking and lending services, please contact us below.

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