Do you have a questions about your St. James’s Place Bank mortgage? We are here to help you to find the right answer.

St. James's Place Bank no longer offers mortgages to new clients.


Linking your facilities

If you are an existing St. James's Place Bank mortgage client, you can choose to offset.

More about facilities

Mortgage payment options

You can take the benefit of offsetting and reduce the amount of interest you pay on your mortgage. 

More about payment options

Offsetting demonstration

Our example illustrates the operation of the two different offsetting options.

Go to Offsetting

Facing financial difficulty

Please get in touch with us if you are facing financial difficulty.

Financial difficulty

Making overpayments to your mortgage

If you are considering making an overpayment into your mortgage, please be aware that should you wish to subsequently reclaim these funds at a later date, you will need to call us on 0345 602 6200 to complete a built-up reserve application. Successful withdrawal of these funds will be subject to our lending criteria.

Homes for Ukraine

If you're planning to support the government scheme to house Ukrainian refugees, we're supporting you by making the process as simple as possible.

You won't need to notify us if you're providing:

  • a room(s) in your own home (current limit of 2 lodgers will not apply)
  • a residential property you own (there’s no need to request consent to lease but you'll need to obtain a tenancy agreement)

It's important you consider whether by providing this support you are still able to afford your household bills, pay your mortgage and it doesn’t put you in financial difficulty. You may wish to look at any government guidance issued.

You should also check with your building/contents insurer to see if you need their consent.

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