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WAYS WE CAN HELP


WAYS WE CAN HELP


WAYS WE CAN HELP


WAYS WE CAN HELP


WAYS WE CAN HELP

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EXPLORING YOUR POTENTIAL

At Apex Sterling Banque, we see a world full of potential - which is why we want
to help you explore and develop yours. With our financial planning services, we
can help you start to build the future you've imagined.

Getting your bearings


GETTING YOUR BEARINGS

Our easy-to-use web tool provides you with a helpful snapshot of your current
circumstances - where you stand with borrowing, savings, investments, pensions,
estate planning and insurance. It highlights your financial strengths and
identifies areas that may need a little more attention.

Take a financial health check
Having a face-to-face review


HAVING A FACE-TO-FACE REVIEW

If you'd prefer to discuss your finances in person, book an individual review
with a member of the team in your local branch. While our reviews can't give you
financial advice, they can outline the products and services we offer, to help
you decide how to make the most of your money.

Call us
Saving for a rainy day


SAVING FOR A RAINY DAY

If you're looking to make the most of your money, we offer a variety of savings
products to suit your needs, from instant access accounts to fixed rate and
online saving options. You can explore online or talk to one of team in your
local branch.

See our savings products Find a branch
Buying a home or remortgaging


BUYING A HOME OR REMORTGAGING

To discuss our wide range of mortgages and how much you might be able to borrow,
make an appointment with a Mortgage & Protection Manager in your local branch.

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

Call us
Protecting you and your family


PROTECTING YOU AND YOUR FAMILY

It could be a good idea to have a 'Plan B', providing peace of mind if the
unexpected happens. With Apex Sterling Banque Life Cover, Critical Illness Cover
and Income Cover you can choose the level of protection you require for you and
your family. This flexible approach means you only ever pay for the cover you
need. You can find out more online or, to get advice on our current range of
Apex Sterling Banque protection products, book an appointment with a Mortgage &
Protection Manager in your local branch.

Learn more about protection Call us
Choosing your own investments


CHOOSING YOUR OWN INVESTMENTS

If you're comfortable making your own investment decisions, we offer a range of
online investment and sharedealing services. As well as access to funds and
shares, you'll find topical news and analysis, interactive research tools and
virtual portfolios to try out your strategies.

Bear in mind that if you choose to invest without advice, we're not required to
assess the suitablility of your investments. This means that the protection
offered by the Financial Conduct Authority's rules on assessing suitability
won't apply.

The value of investments (and any income received from them) can fall as well as
rise and you may not get back what you invested. For some investments this can
also happen as a result of exchange rate fluctuations as shares and funds may
have an exposure to overseas markets.

See our investment products
Getting tailored advice


GETTING TAILORED ADVICE

If you have $50,000 or more in savings and investments, a US resident and aged
18 or over, you may be eligible for Apex Sterling Banque HCU Financial Advice
Service. Our expert advisers offer holistic advice. What we mean by this is that
we assess your needs across all of the following five areas:

 * 1. protecting you and your family
 * 2. saving for your children's future
 * 3. planning your retirement
 * 4. managing and growing your wealth
 * 5. passing on your wealth

Through in-depth personal assessment and sophisticated risk profiling software,
your adviser will discuss your hopes and dreams, help you identify your risk
tolerance and work with you to build a bespoke financial plan.

We have chosen to offer restricted advice. This means we don't recommend
products from the whole of the market, but rather a limited range of products
from a limited number of carefully selected companies, including Apex Sterling
Banque. Your adviser will discuss the types of products and services we provide
advice on, as well as those we don't , such as specific tax advice.

During your no obligation discussion your adviser will discuss your goals and
circumstances and whether you might benefit from paying for our advice service.
They will also explain our fees so you can be sure of the costs involved.

Find out more



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found that 41% of people are under-prepared to deal with life's…


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PREFER TO TALK FACE-TO-FACE?

Pop into your nearest branch for a chat.

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The value of investments (and any income received from them) can fall as well as
rise and you may not get back what you invested. For some investments this can
also happen as a result of exchange rate fluctuations as shares and funds may
have an exposure to overseas markets. Most investments should be considered as a
medium to long-term commitment, meaning you should be prepared to hold them for
at least five years

Everyone's circumstances are different and what applies to one person may not be
right for someone else. The suggestions above are based on a general assumption
of each circumstance and they are not intended to provide advice or
recommendation.

CONNECT WITH US

Listening to what you have to say about our services matters to us.

HELP & SUPPORT

Got a question? We are here to help you

FIND A BRANCH

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OUR PERFORMANCE

View our service dashboard to see how we're doing

ABOUT HCU

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