Southgate Wealth Management

The self-employed, first-time buyers, older borrowers, and workers paid in a foreign currency can often find it difficult to secure a mortgage since their income and finances don’t fit the standard model needed to meet strict lending criteria.

Now, the Financial Conduct Authority is proposing a relaxation of some mortgage rules to give lenders greater flexibility and control when it comes to non-standard borrowers.

🔓 It could unlock the market for many more borrowers and bring greater innovation and flexibility within mortgage products. Read more: https://www.southgatewm.co.uk/article/detail/sjpp/mortgage-rule-changes-could-help-more-self-employed-and-older-borrowers.html

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

Southgate Wealth Management Ltd s an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 9/6/2026

When the pressure is on, instinct isn’t always the best guide — in football or investing.

As the World Cup reminds us, goalkeepers often dive during penalties when staying central might actually be the better option. It’s a natural reaction under pressure.

The same can apply to investing. In a world full of headlines and uncertainty, reacting to short term noise can be tempting, but staying focused on a long term approach has historically proved more effective.

🔗 Read the full insight: https://www.southgatewm.co.uk/article/detail/sjpp/investing-and-penalities-a-game-of-nerves-or-reactions.html

The value of investments can rise and fall. Positive returns are more likely if you invest for the long term, but this is not guaranteed and you could get back less than you invest.

Southgate Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 10/6/2026

What's better than a real-life team meeting in the sunshine? Not much! ☀️

Here's to getting away from our desks and making the most of days like these.

Our Financial Planner, Nigel Parker, is gearing up for a fantastic challenge this summer in support of a very worthy cause.

As part of his 60th year, Nigel has taken on the challenge of the 64-mile Ride Essex challenge on 30th August, with friends Pete Barker and Phil Game. Together, they are aiming to raise £1,000 for Action Medical Research. The team would love your support - if you’d like to help them reach their fundraising target, please visit their JustGiving page: https://www.justgiving.com/page/nigel-pete-phil

Good luck, Nigel, Pete and Phil – we’re all behind you! 👏🚴

Action Medical Research

Nigel, Pete & Phil are fundraising for Action Medical Research Help Nigel Parker raise money to support Action Medical Research

Great financial planning starts with understanding what matters most to you. It’s about listening, building trust and helping you feel confident about your future.

We’re always so grateful to receive feedback like this. Helping clients feel informed, supported and reassured is at the heart of what we do. Thank you for your kind words! 🫶

Read more feedback on our website: https://www.southgatewm.co.uk/about/testimonials



Southgate Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 1/6/2026

Tax rules are set to change from April 2027 in a move which will see most people's pensions bought into their estates for inheritance tax purposes.

Combined with a long-term freeze in IHT thresholds, it is not surprising many people are turning to trusts as a way to manage their tax liabilities.

👉Learn more here: https://www.southgatewm.co.uk/article/detail/sjpp/can-a-trust-help-protect-your-estate.html

Taxation rules can change at any time and are dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

Southgate Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 17/4/2026

Supporting children and grandchildren financially is on many people’s minds.

Whether it’s helping with future education, a first home or long‑term savings, there are different ways to start building foundations early.

This article explains some of the main options available, along with key things to think about: https://www.southgatewm.co.uk/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren.html

Southgate Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 28/5/2026

How does an offset mortgage work and is it right for you? Our guide explains more.

https://www.southgatewm.co.uk/article/detail/sjpp/what-are-offset-mortgages.html