Investment Options

There are 2 options available to you and your clients. There is the 'JustUs Regular Account' and the 'JustUs ISA Account'.

Both offer the same return for the cash held on account together with the benefit of your clients' funds sitting within the Safety of the 'Barclays Bank Protected Client Account'


1.2%
p.a.

Access Pot

upto
4.32%
p.a.

Prudent Pot

upto
6.41%
p.a.

Balanced Pot

upto
9.61%
p.a.

Adventurous Pot



The Structure of the Pots

Access Pot

  • This pot forms the basis for the 'Regular Account' and the 'ISA Account'. If the 'Regular Account' is selected there is no additional benefit from the remaining 3 pots paid.
  • Un-lent capital will benefit from interest equivalent to 1.2% annually (paid monthly)
  • The 1.2% interest equivalent per annum is anticipated to be an ongoing return. In the event of an increase/decrease in this rate we will provide at least 90 days notice of this change.

Prudent Pot

  • Buy To Let mortgages which will be secured by way of a first legal charge against UK residential property up to a maximum LTV exposure of 65%.
  • Bridging loans which will be secured by way of a first legal charge against UK residential property with a maximum LTV exposure of 65%.
  • Low rate unsecured loans where the borrower must be a homeowner with an excellent credit history.

Balanced Pot

  • Bridging loans which will be secured by way of a first legal charge against UK residential property with a maximum exposure of 75% LTV (Average 70% LTV)
  • Average rate unsecured loans where the borrower must be a homeowner with and average credit history.
  • Personal guarantor loans, available to homeowners and tenants with a medium to poor credit history. The borrower must obtain the backing from a home owning personal guarantor, with an excellent credit history.
  • Buy to let mortgages which will be secured by way of a first legal charge against UK residential property to a maximum LTV of 80%

Adventurous Pot

  • Personal guarantor loans, available to homeowners and tenants with a medium to poor credit history. The borrower must obtain the backing from a home owning personal guarantor, with an excellent credit history.
  • Bridging loans which will be secured by way of a second legal charge against UK residential property with a maximum exposure of 85% LTV (Average 75% LTV)
  • Higher rate unsecured loans where the borrower must be a homeowner, but may have experienced credit problems in the past through no fault of their own.

Capital at risk.