We offer a range of highly competitive accounts available in sterling, US dollar and euros, which include:
The Butterfield Private Bank AccountA flexible and easily accessible interest-bearing account for clients seeking to reduce the time-consuming demands of handling their day-to-day financial affairs.
The Butterfield Fixed Term Deposit AccountAn ideal way to earn Money Market interest rates on funds you wish to set aside for a fixed period.
The Butterfield Notice AccountFor clients looking for flexibility, this account offers a 35 day or 95 day notice period.
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We offer credit facilities through competitive and flexible mortgages, secured lending services and a range of specialist loans.
Butterfield Commercial MortgagesFor U.K. and overseas borrowers wishing to purchase or refinance good quality commercial property
Butterfield Residential Mortgages
For U.K. or overseas borrowers to purchase or refinance property they wish to occupy or use as an investment.
Butterfield Development and Refurbishment Loans For property professionals to help finance the refurbishment of property or the development of land.
Butterfield Probate Loans
Short-term, unsecured loans for executors or beneficiaries of estates to cover inheritance tax liabilities in advance of probate being granted.
Butterfield Secured Lending Services
A convenient way for U.K. or overseas clients to unlock the value of existing property or investment portfolios without selling investments.
Managed by our dedicated team of experts, Butterfield Treasury Services are designed to assist in the management of both foreign exchange and interest rate exposures.
Foreign ExchangeButterfield Foreign Exchange is a fully comprehensive service incorporating transactions for spot and forward delivery in all major currencies.
DerivativesWe offer derivatives in foreign currency options, interest rate swaps, interest rate options and forward rate agreements to both private and corporate clients.
Our investment services are managed by a highly professional team.
Butterfield Discretionary Investment ManagementWe offer discretionary investment management for private clients, pension funds, charities, family and offshore trusts. The service is available to clients with portfolios of £100,000 or more.
Investment management forms part of our overall wealth management solution whereby relationship managers and investment managers work with clients to ascertain their initial and ongoing investment objectives, investment time horizon, attitude to risk, income and liquidity requirements.
We use the expertise of the entire Butterfield Group to determine and construct investment strategy, asset allocation, sector and stock selection within each investment mandate. Portfolios are constructed from a balance of direct equities and/or equity funds and fixed interest investments and/or funds. We use a combination of in-house research and the open sourcing and open architecture approach for coverage of more specific asset classes, geographical regions or sectors.
Butterfield Discretionary Maxi ISA and PEPWe strongly recommend that private clients take full advantage of the tax efficiencies that are inherent in investing in an ISA. Our approach to managing ISAs and PEPs is to consolidate them with a client’s main portfolio to ensure that we are managing the overall investments in a consistent manner.
Butterfield Execution Only ServiceFor clients who prefer to manage their own investments we offer a dealing and custody service. With dealing and settlement capabilities in all major markets and many of the small opportune markets, our clients are offered coverage on a global scale. Our efficient network of global service providers, brokers and international clearing houses ensures a seamless process.
Butterfield offers a unique collection of complementary pension services enabling you to unlock the full potential of a self-directed pension.
The Butterfield Private PensionDesigned for clients who wish to build a personal fund for their retirement or to amalgamate existing pension arrangements. They allow you to create and manage a unique portfolio of investments, cash and property. The Butterfield Private Pension includes an integral bank account, pension mortgage facility and optional discretionary investment management service with Butterfield. The Butterfield Private Pension is set up under trust with D A Phillips & Co Ltd.
For clients who have a corporate entity such as a limited company and who are interested in a Small Self-Administered Scheme we will be happy to arrange this.
We can also arrange general advice on pensions through our select panel of independent specialists.
Butterfield Private Bank has entered into arrangements with Seymour Management to offer a comprehensive Art Advisory service. The service is broad in nature and includes acquisitions, disposal, valuations, collection management and investment advice on a wide range of assets including antiques, books, decorative arts and fine wines.
We have established partnerships with a number of third-party companies who are able to offer advice on a variety of financial issues such as tax planning, trusts and wills, in addition to providing general audit and accounting services. Your relationship manager will be happy to discuss your requirements and introduce you to the appropriate partner.
International and expatriate clients can access an array of private banking services from our sister companies in the respected financial centre of Guernsey.
With the sensitivity of issues related to family wealth management, our Family Office provide a bespoke fee-based service to clients and their families to help them deal with complexities that may have an effect on their financial well-being. We will advise on the additional burden of increasing regulation, issues of taxation, distribution planning and charitable giving in a discreet and personal manner.
One of the most important functions of our Family Office involves the execution of investment goals. This involves a large spectrum of activity including the participation of time horizons, risk profiles, asset allocation and the choosing and monitoring of investment managers.
