Getting on the Ladder
Your first home starts with a smart plan.
Buying a property is a major milestone, and for most people, one of the biggest financial commitments they'll ever make. Whether you're saving for a deposit, applying for a mortgage, or figuring out what you can actually afford, the process can feel overwhelming.
With the right advice early on, getting on the ladder doesn’t have to mean going in blind.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The average first-time buyer deposit in the UK is now over £50,000.
Source: Halifax, UK-wide, First-time buyer market rebounds, 14 Feb 2025.
What you need to think about
Saving a deposit is only part of the story. Legal fees, surveys, moving costs, and changing interest rates can all add pressure, and it’s easy to underestimate how much you’ll really need.
Add in questions about which accounts to save in, what lenders are looking for, and how buying affects your other financial goals and suddenly getting on the ladder feels like climbing a mountain.
Want to plan for your brighter future?
How we help
Set savings goal for your deposit
And build a plan to get there, step by step.
Choose the right savings accounts
From Lifetime ISAs to cash savings.
Break down the full cost
So you're not caught off guard by fees and extras.
Plan around mortgage affordability
Understand what lenders look for and how to improve your position in the run up to applying.
Balance short-term and long-term goals
So buying a home doesn’t stall your bigger picture.
Support beyond the purchase
Your adviser is still there long after you get the keys.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
Lifetime ISAs and saving accounts are not available through St. James's Place.
Plans for wherever you are at in life
Young Professionals
Growing Families
Business Owners
High-Net-Worth Individuals
Nearing Retirement
Retired People
Professional Athletes
Sole Trader
Established Families
Young Professionals
When it comes to growing wealth, time is on your side. From your first investment to your first home, we’ll help you make the most of your income.
Growing Families
Building financial security for the people that matter most. From saving for school fees to protecting your income and planning for the future, we help families stay one step ahead.
Business Owners
Your business is your focus – we make sure your finances keep up. From tax-smart income to long-term planning, we help you protect what you’ve built. No fluff, just advice that works as hard as you do.
High-Net-Worth Individuals
You’re earning big – now it’s time to make it count! We help high earners cut tax and grow wealth. From pensions to early retirement, we keep your plan and goals in focus.
Nearing Retirement
The light is at the end of the tunnel, and after years of working hard and saving for retirement, you’re on the final stretch.
Retired People
Whether you’re on the final stretch or already retired, smart planning now can mean more freedom later. Let’s help you build a plan so your money can help you with the life you want, for as long as you need it to.
Professional Athletes
We help elite professional athletes aiming for their peak earnings to provide security for a lifetime. From protecting your income to planning life after sport, we make sure the money you earn now keeps working for your future.
Sole Trader
Whether it’s making sure you’ve set enough aside for tax, planning for time off or thinking further ahead towards retirement – you need an adviser to handle the stuff you don’t have time for.
Established Families
Whether you’re helping your kids take their next steps, thinking about retirement, or figuring out how to pass on your wealth without giving a large amount to HMRC, we’re here to help you move forward with clarity and confidence.
Meet our people
Meet our people
Our clients are real people, and so are we. Scroll through our team to meet the people who can build your financial plan. Not sure who might fit your requirements? Get in touch
