Inside content area, use arrow keys or tab to access content

Protecting your family’s finances

Ensuring you have adequate financial protection for you, your family and any dependants is an important element of financial planning.

We can assist with:

  • Managing your finances
  • Building strong financial foundations for your family
  • Identifying and mitigating the risks
  • Saving for your children’s future
  • Passing on your wealth.

Managing your finances

Our Private Banking and Advice Managers will build a picture of your situation and outgoings, and help to identify which elements of our banking services best fit your goals.

We offer:

  • Current accounts
  • Savings and deposit accounts
  • Loans and overdrafts, subject to status and application
  • Specialist services such as foreign exchange and tailored lending, subject to status and application.

Our services are complemented by Internet, Mobile and Telephone Banking, 24 hours a day, seven days a week.

Building a financial plan

With a family, you need to maintain financial stability whilst giving yourself the capacity to cover increasing or unexpected expenses, such as moving home. You also need to consider how to protect your family should life take an unexpected turn.

Building a financial plan that supports your needs and lasts a lifetime is key. Whether you’re starting out or rethinking your situation, we can help lay the cornerstones of a durable financial plan.

We offer the following options and solutions:

  • Current accounts, including added value benefits
  • Savings
  • Credit cards, bridging loans and overdrafts

Banking and deposits

Lending and financing

Planning for your children’s future

Education costs are increasing, as well as fees, there are extras such as music lessons and private tuition to consider. University fees and seeing a child into adult life can also be costly. The earlier you save, the more you’ll be able to accumulate in readiness.

Your options could include:

  • Term deposits and bonds
  • Managed growth funds
  • Unit and investment trusts.
  • lending options for education fees.

Lending is subject to our responsible lending criteria. How much we lend, the period and rate available are subject to our assessment of your circumstances. Specific eligibility criteria and conditions apply for certain types of lending. You must be 18 or over and a UK resident to apply. Lending is subject to status and application. Security may be required. Overdrafts are repayable in full on demand.

Please remember that the value of investments, and the income from them, may fall as well as rise. Investors may not receive back the full amount originally invested. Past performance is not a guide to future performance.

Protecting your family

Being prepared for the unexpected, such as an accident, illness or death, could protect you and your family from sudden and long-term financial hardship.

Replacing income if you can’t work
If you’re unable to work due to accident or long-term illness, income protection could prove invaluable financial support for you and your family. Cover can be tailored to any work sickness scheme, and will provide reassurance that you’ve planned an income should you ever suffer a qualifying illness or condition.

Covering you for critical illness
A critical illness could stop life in tracks for you and your family. It could prevent you from working, and have long-term physical effects that ripple out to your lifestyle and home. Critical illness cover could help, providing financial security in the immediate aftermath, and funds for longer-term needs such as property alterations or home care.

Arranging life assurance
Life assurance could give you and your family financial stability should the worst happen. This could be in the form of a lump sum or monthly payment to cover immediate or future financial needs for you and your family. Your Private Banking and Advice Manager can help arrange a life assurance policy tailored around your needs that could help with:

  • Mortgage payments
  • Day-to-day funds for your family
  • Inheritance tax liability.

Securing your family’s future
Enjoying your wealth whilst ensuring it’s there for your family tomorrow is important. Our Private Banking and Advice Managers can help you with:

  • Income protection
  • Critical illness
  • Life assurance
  • Estate planning
  • Will writing.*

*We can introduce you to the law firm Hugh James who provide a specialist Will Writing Service for our clients living in England and Wales or Brodies LLP for clients domiciled in Scotland.

Before any services or products are provided to you we will explain what advice we can give and what products and services this covers, and any advice or product charges that apply and agree these with you.


Book an appointment

Get in touch with one of our Private Banking and Advice Managers.

No charges for the initial meeting to discuss your individual circumstances and objectives.

No obligation to take any of our services or products.



Speak to us

You can call us to arrange an appointment or ask a question.

Lines are open Monday to Friday from 09:00 to 17:00 (Tuesday and Thursday until 19:00) and Saturday from 09:00 to 13:00. Excluding Bank Holidays. Call cost may vary depending on your service provider.