Welcome
SPF Private Clients is an award-winning, whole-of-market mortgage brokerage offering expert advice and tailored solutions across a wide range of property scenarios. Established in 1997 and now part of the Howden Group, we’ve built a strong reputation for securing competitive interest rates and delivering excellent customer service.
Ohigh-net-worth individuals, or international clients with complex income structures, we are committed to delivering a seamless and personalised mortgage experience.
With over 250 staff across our UK and international offices, we manage the mortgage transaction from start to completion - making it as smooth and stress-free as possible. Our goal is to provide a bespoke service that helps every client find the right mortgage solution for their unique needs.
We’ve built a strong reputation for securing competitive interest rates and delivering excellent customer service.”
Residential Mortgages
At SPF, we provide expert mortgage advice across a broad range of residential property transactions. Whether you’re a first-time buyer, moving home, or looking to remortgage, our team is here to guide you through the process. We also assist in more complex scenarios, including multiple, irregular and self-employed income.
As a whole-of-market brokerage, we have access to a wide range of lenders and thousands of mortgages - including options not available through direct channels.
Our advisers know which lenders to approach to find the best mortgage for you. They’ll guide you through the paperwork and will liaise with the lender, your solicitor, estate agent and other parties involved. Their ability to turn things around quickly, helps make moving home or remortgaging smoother and less stressful.
Buy-to- let Mortgages
Buy-to-let remains a popular way to diversify income beyond savings or pensions. Despite tax and regulatory changes, it continues to play a valuable role in long-term financial planning - with the right advice and preparation.
At SPF, we offer tailored buy-to-let mortgage solutions for individual investors, portfolio landlords, and limited companies. Whether you’re investing in standard residential properties, houses in multiple occupation (HMOs), multi-units or short-term lets, our experienced team can help.
Dealing with both personal and corporate structures, we source finance from mainstream banks, building societies, and specialist lenders. Our service includes end-to-end management of the mortgage application and support with structuring and documentation.
Large Mortgages
At SPF, we are renowned for our expertise in arranging high-value and ultra-high-value mortgages, with a significant number of the mortgages we arrange running into the millions.
As a whole-of-market brokerage, we have access to large mortgage options from high street lenders, private banks and specialist lenders. We can also access preferential rates and bespoke arrangements that are available exclusively to us or only a handful of brokerages.
Our expert mortgage advisers take the time to understand each client’s financial profile in detail, including more complex income sources such as tax returns, business accounts, and foreign currency earnings. In some instances, a client may want us to deal with their Family Office or wealth manager. We are here to be part of the team, however that may be structured.
First-time buyer Mortgages
Buying your first home is an exciting time, but it can also feel overwhelming. There are so many mortgage products on the market that finding the right one for your circumstances can be challenging. And with your mortgage likely to be your biggest outgoing, choosing the wrong one, can cost you dearly.
At SPF, we’re here to hold your hand and guide you through the process of buying your first home. We are happy to answer any questions you may have along the way regarding the whole process and how it works. We also provide advice on government-backed schemes where applicable, and our dedicated New Homes team works closely with some of the newbuild developers.
Our goal is to give you confidence that you’re getting expert advice and selecting the right mortgage for your circumstances - so you can get on with enjoying your new home.
New-build Mortgages
The process of finding the right new-build mortgage can often be more complicated than purchasing an older property, especially if you are buying off-plan. Our New Homes team is here to guide you through the mortgage process while recommending the most competitive rate to suit your needs, whether you’re based in the UK or overseas.
We work with many estate agents and property developers who recommend our mortgage services to their clients. We are experienced in assisting all types of purchasers, including first-time buyers, international clients, expatriates and property investors.
We manage the transaction on your behalf from start to completion, liaising with all parties involved - including your solicitor, lender and the property developer. This saves you time and allows for a smooth, stress-free experience.
International Mortgages
SPF is one of the few UK mortgage brokerages to have an international mortgage desk, dedicated to advising clients buying abroad. The process of buying international real estate varies from country to country – and it’s no secret that dealing with overseas banks and agents - especially if there’s a language barrier - can be both demanding and time-consuming.
Our experienced team arranges finance for prime overseas properties, working with niche lenders and private banks to secure competitive solutions tailored to your needs. We liaise with all parties involved to ensure a smooth and efficient process.
We offer tailored solutions that consider wealth structuring and inheritance planning, assisting clients buying in France, Monaco, Spain, Portugal, Italy, Switzerland, and the Caribbean. Other locations are reviewed individually.
International Buyers
We have extensive experience in assisting non-UK nationals with securing property finance, whether they are based in the UK or abroad. Our international expertise allows us to support clients as they navigate the unique challenges that can arise when applying for a UK mortgage.
If you are unfamiliar with mortgages in the UK or the process of applying for one, we will guide you through the process - from initial consultation to completion. Video meetings can be arranged to accommodate your location and time zone, making the process as convenient as possible for you. We will liaise with all parties involved including the lender, estate agent or developer.
We understand that language can be a barrier, which is why our team covers several languages, including, but not limited to, Cantonese, Mandarin, Bulgarian, French, Thai, Arabic and Turkish.
Self-build Mortgages
Many clients dream of building their own home, however, a self-build project requires a different type of mortgage, which you need specialist advice for.
Unlike standard residential mortgages, self-build mortgages are released in stages – aligned with the progress of the works - rather than in one lump sum.
A self-build mortgage application often requires additional supporting documentation for the lender such as planning permission, construction drawings, building regulations approval and cost projections for the build.
Our dedicated team of experienced mortgage advisers work with you to understand your project, source the right loan for your circumstances, and manage the application process from start to finish.
Farms & Estates Finance
Financing a farm or country estate can be more complex than a standard residential mortgage. We work with lenders who take a long-term view on the plans for the property, land usage and succession planning, so that solutions are fit for purpose both now and in the future.
Our team can arrange finance for various scenarios including:
• Purchase of farmland, country estates, rural businesses and equestrian properties
• Refinance or consolidation of existing debt onto a more efficient and structured basis
• Green and renewable energy projects
• Diversification initiatives
• Investment in off-farm assets such as commercial or residential property
• Capital and infrastructure project finance
Later Life Lending
Our Later Life Lending proposition was established in response to an increased need for later life funding solutions from our existing clients.
We offer Lifetime Mortgages and Retirement Interest Only Mortgages from the full range available to mortgage intermediaries through an experienced team of expert advisers.
Whether you are looking to repay an existing mortgage or seeking to release funds for personal use, tax planning purposes or to assist family members, we can assess your circumstances and advise on the most suitable option.
We’re committed to providing impartial advice and a first-class service - both during the mortgage application process and beyond.
Short Term Finance
At SPF, we have a team dedicated to providing fast, flexible funding solutions for property transactions that require short-term finance. Whether you’re purchasing at auction, bridging a sale, refurbishing a property, or undertaking a development project, we are here to help you move quickly and confidently.
Our focus is on securing the most cost-effective and suitable finance for each unique situation - often under tight deadlines. With extensive expertise across bridging, auction, refurbishment, and development finance, we provide clear, responsive support at every stage, ensuring a smooth and efficient process from start to finish.
Thanks to our whole-of-market access and strong relationships with lenders across the sector, we’re well-positioned to help clients unlock opportunities and secure the right funding solution.
Other Services
In addition to Residential Mortgages, we also advise in the following areas:
• Commercial Property Finance
• Financial Planning
• Retirement Strategies
• Investment Planning
• Inheritance Tax Planning
• Financial Protection
• Asset Finance
• Business Finance Visit our website to find out more:
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt.
We may charge a fee for the advice we provide; this fee will be dependent upon your personal circumstances and will be agreed with you after we have fully understood your requirements. Any fee is payable upon successful completion of your transaction, unless agreed otherwise. We typically receive commission from the lender.
SPF Private Clients is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some types of buy-to-let, commercial and overseas mortgages, most business finance and taxation advice. The FCA also does not regulate estate planning, Inheritance Tax planning, cashflow modelling, wills or trusts. SPF is a credit broker, not a lender.
What our clients say about us
7 October 2025
Very helpful and trustworthy
Very helpful and trustworthy. A pleasure to interact with them
CP
14 August 2025
Fantastic as always
Fantastic as always used the team for over a decade and more than 10 deals. Next year I’ve got a couple more lined up, so if they remain competitive and find the best deals in the market, we will always work with them.
EF
29 July 2025
6 August 2025
My experience working with SPF
My experience working with SPF Private Clients as my mortgage brokers was outstanding. They proved to be knowledgeable, responsive, and genuinely committed to helping me find the best solution for my needs. Throughout the process, they demonstrated hard work and dedication, answering all my questions and providing clear and honest advice. The result was a smooth process with successful outcome. I highly recommend SPF Private Clients to anyone looking for a trustworthy and professional mortgage broker.
Great, reliable service across the team as always
Concise reliable advice on mortgages over the years and fast, responsive service always received. Also provided good advice on life assurances and buildings insurance. Great service from the whole team.
SG
10 June 2025
Great professional services. Highly recommended SPF offered great professional services, assisting me at every stage of purchasing the house. They communicated clearly about each step to follow throughout the process and were always available when I required help. Highly recommended.
16 June 2025
Mortgage management and guidance at its best We mortgaged our home with them and 5 years later remortgaged with them as well. On both occasions the communication was good, the guidance was clear with letting us know our options. Both times we closed fixed mortgage deals with the best possible rates. Recommended.
15 May 2025
We were a complex remortgage case
We were a complex re-mortgage case as the support from SPF was second to none. Everything was clearly explained and communicated promptly. I would 100% recommend and will be a returning client when we are up for renewal.
SPF Private Clients
33 Gracechurch Street, London, EC3V 0BT
+44 (0)20 7330 8500 spf.co.uk We make