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    21JAN 2021

    Webinar: what comes after the volatility of 2020?

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Banking and lending

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 to complement our planning and portfolio management services. We pride ourselves on the speed of response and flexibility with which we address our clients’ banking needs.

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  • Take out loans secured against residential property or your discretionary portfolios
  • Hold accounts in a variety of currencies
  • Receive competitive rates on foreign exchange transactions

The services we offer are tailored to your individual circumstances, situations and priorities. Our banking team will work with you and your wealth planning and portfolio management team to advise on the services best suited to you.

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

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 lending 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 understand that our clients’ requirements for cash differ over time, and that liquidating long-term investments to meet short-term needs may not be the best strategy at a particular point in time.

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.

Bridging loans

Our clients occasionally need short-term finance to purchase a property or for other needs. We offer bridging loans which can be particularly useful to clients who are purchasing a new property but have not yet completed on the sale of their existing home.

Bridging loans can be secured against investment portfolios managed by us or against UK residential property. They are offered on competitive rates and can be repaid in part or in full at any time with no penalty.

Details of our rates for bridging loans are available on application.

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

Deposit accounts

We offer instant access accounts and fixed term deposit accounts. The current rates can be found here.

We also offer fixed-term deposit accounts in the major global currencies, with durations ranging from one day to two years.

Cash administration service

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 service managed by Cazenove Capital: available for sums of over £1 million for new clients and £50,000 for existing clients.

    The interest rates for this service are available here.

  • The second option is a Designated Client Account, with a minimum cash requirement of £1 million, where we will arrange for our clients to hold deposits in their own names with a range of institutions.

    Further information on current rates and other details are available here.

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. 

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INVESTMENT MANAGEMENT

Our focus is to protect and grow your wealth, and we aim to do this in a tax and cost-efficient way.

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TAX AND FINANCIAL PLANNING

Our wealth planning specialists sit at the core of the expert team we assemble around each of our clients and are entirely focused on helping you to meet your goals.

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  • Your priorities
    • Sustainability
    • Retirement
    • Realising the value of your business
    • Investing for many members of your family
    • Effective philanthropy
    • Investing a lump sum
    • Income
    • Living across borders
  • Who we work with
    • Family offices
    • Business owners and entrepreneurs
    • Private individuals
    • Professional advisers
  • Managing your financial future
    • Wealth planning
    • Investment management
    • Banking and lending
  • Insights
    • Strategy & economics
    • Asset allocation
    • Wealth planning
    • Responsible investing
    • Talking points
    • Company news
    • Educational guides
    • Supertrends & disruptors
    • Philanthropy
    • Client case studies
    • Subscribe to updates
  • Events
    • 2020 webinars
    • Young investor webinar series
  • Contact us
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    • Chester
    • Edinburgh
    • Oxford
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