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Mortgages

Purchasing a home, no matter where in the world, is likely to be the most significant single investment you’ll make in your lifetime. Even if it’s not the first property you own.

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We don’t believe in delivering mortgage advice in isolation from the rest of your financial needs. We take a much broader perspective, making sure that your mortgage arrangements are consistent with your wider financial goals.

The significance of small numbers

While a larger down payment or the difference of a fraction of a percentage point may seem negligible on paper, they could have a significant impact over the lifetime of your loan.

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This is why we take the whole picture into consideration, to ensure that your other goals aren’t at jeopardy because of buying a property.

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Taking the time to prepare your finances may do more than expanding your borrowing options too. With our advice, it may also have a positive impact on your long-term financial security.

This graph denotes the difference a single percentage point makes in terms of your mortgage's overall cost

Please note your home or other property may be repossessed if you do not keep up repayments on your mortgage.

Advice relating to a mortgage involves the referral to a service that is separate and distinct to those offered by St. James’s Place.

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The ‘St. James’s Place Partnership’ and the titles ‘Partner’, ‘Adviser’, ‘Partner Practice’ or any variations thereof are marketing terms used to describe representatives of the St. James’s Place Group (‘SJP Group’).
St. James’s Place (Hong Kong) Limited (‘SJPHK’), is a licensed Insurance Broker Company regulated by the Insurance Authority (’IA’), a Licensed Corporation regulated by the Securities and Futures Commission (’SFC’) and a Principal Intermediary registered with the Mandatory Provident Fund Schemes Authority (’MPFA’) in Hong Kong.
IA Licence No. FB1075. SFC Central Entity No. AAV439. MPFA Registration No. IC000852.
SJPHK is part of the SJP Group. Members of the St. James’s Place Partnership in Hong Kong are appointed by SJPHK to act in a licensed and regulated capacity and may facilitate business with other companies within the SJP Group.

© 2024 by Summit Financial, a Partner Practice of St. James's Place (Hong Kong) Limited

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