SPF Private Clients (Part of Howden)
Extra Info
Title: Home
URL Source: http://www.spf.co.uk/
Markdown Content:
Home | SPF Private Clients | We make it happen
===============
We value your privacy
We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. By clicking "Accept All", you consent to our use of cookies.Cookie Policy
Customize Reject All Accept All
Customize Consent Preferences
We use cookies to help you navigate efficiently and perform certain functions. You will find detailed information about all cookies under each consent category below.
The cookies that are categorised as "Necessary" are stored on your browser as they are essential for enabling the basic functionalities of the site....Show more
Necessary Always Active
Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.
- Cookie cookieyes-consent
- Duration 1 year
Description CookieYes sets this cookie to remember users' consent preferences so that their preferences are respected on subsequent visits to this site. It does not collect or store any personal information about the site visitors.
Cookie elementor
- Duration Never Expires
Description The website's WordPress theme uses this cookie.It allows the website owner to implement or change the website's content in real-time.
Cookie ASP.NET_SessionId
- Duration session
Description Issued by Microsoft's ASP.NET Application, this cookie stores session data during a user's website visit.
Cookie JSESSIONID
- Duration session
Description New Relic uses this cookie to store a session identifier so that New Relic can monitor session counts for an application.
Cookie wpEmojiSettingsSupports
- Duration session
Description WordPress sets this cookie when a user interacts with emojis on a WordPress site. It helps determine if the user's browser can display emojis properly.
Cookie rc::a
- Duration Never Expires
Description This cookie is set by the Google recaptcha service to identify bots to protect the website against malicious spam attacks.
Cookie rc::c
- Duration session
- Description This cookie is set by the Google recaptcha service to identify bots to protect the website against malicious spam attacks.
Functional
Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.
No cookies to display.
Analytics
- [x]
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.
- Cookie ga*
- Duration 1 year 1 month 4 days
Description Google Analytics sets this cookie to store and count page views.
Cookie _ga
- Duration 1 year 1 month 4 days
Description Google Analytics sets this cookie to calculate visitor, session and campaign data and track site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognise unique visitors.
Cookie _gcl_au
- Duration 3 months
Description Google Tag Manager sets the cookie to experiment advertisement efficiency of websites using their services.
Cookie CLID
- Duration 1 year
Description Microsoft Clarity set this cookie to store information about how visitors interact with the website. The cookie helps to provide an analysis report. The data collection includes the number of visitors, where they visit the website, and the pages visited.
Cookie _clck
- Duration 1 year
Description Microsoft Clarity sets this cookie to retain the browser's Clarity User ID and settings exclusive to that website. This guarantees that actions taken during subsequent visits to the same website will be linked to the same user ID.
Cookie _clsk
- Duration 1 day
Description Microsoft Clarity sets this cookie to store and consolidate a user's pageviews into a single session recording.
Cookie SM
- Duration session
Description Microsoft Clarity cookie set this cookie for synchronizing the MUID across Microsoft domains.
Cookie MR
- Duration 7 days
Description This cookie, set by Bing, is used to collect user information for analytics purposes.
Cookie SRM_B
- Duration 1 year 24 days
- Description Used by Microsoft Advertising as a unique ID for visitors.
Performance
- [x]
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
- Cookie loglevel
- Duration Never Expires
Description Squarespace sets this cookie to maintain settings and outputs when using the Developer Tools Console on the current session.
Cookie _uetsid
- Duration 1 day
Description Bing Ads sets this cookie to engage with a user that has previously visited the website.
Cookie _uetvid
- Duration 1 year 24 days
- Description Bing Ads sets this cookie to engage with a user that has previously visited the website.
Advertisement
- [x]
Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns.
- Cookie MUID
- Duration 1 year 24 days
Description Bing sets this cookie to recognise unique web browsers visiting Microsoft sites. This cookie is used for advertising, site analytics, and other operations.
Cookie ANONCHK
- Duration 10 minutes
- Description The ANONCHK cookie, set by Bing, is used to store a user's session ID and verify ads' clicks on the Bing search engine. The cookie helps in reporting and personalization as well.
Uncategorized
Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.
No cookies to display.
Reject All Save My Preferences Accept All
Powered by 
Residential Mortgages
* [Property Purchase](https://www.spf.co.uk/mortgages/residential-mortgages/property-purchase/)
* [Remortgaging](https://www.spf.co.uk/mortgages/residential-mortgages/remortgaging/)
* [High-Net Worth Mortgages](https://www.spf.co.uk/mortgages/residential-mortgages/high-net-worth-mortgages/)
* [Large Mortgages](https://www.spf.co.uk/mortgages/residential-mortgages/large-mortgages/)
* [First-Time Buyers](https://www.spf.co.uk/mortgages/residential-mortgages/first-time-buyers/)
* [New Build Mortgages](https://www.spf.co.uk/mortgages/residential-mortgages/new-build-mortgages/)
* [International Buyers](https://www.spf.co.uk/mortgages/residential-mortgages/international-buyers/)
BUY-TO-LET MORTGAGES
* [Buy-to-Let Property Purchase](https://www.spf.co.uk/mortgages/buy-to-let-mortgages/buy-to-let-property-purchase/)
* [Buy-to-Let Remortgage](https://www.spf.co.uk/mortgages/buy-to-let-mortgages/buy-to-let-remortgaging/)
* [Portfolio Landlords](https://www.spf.co.uk/mortgages/buy-to-let-mortgages/portfolio-landlords/)
SPECIALIST MORTGAGES
* [Later Life Lending](https://www.spf.co.uk/mortgages/specialist-mortgages/later-life-lending/)
* [Expat Mortgages](https://www.spf.co.uk/mortgages/specialist-mortgages/expat-mortgages/)
* [Self-Build Mortgages](https://www.spf.co.uk/mortgages/specialist-mortgages/self-build-mortgages/)
* [International Mortgages](https://www.spf.co.uk/mortgages/specialist-mortgages/international-mortgages/)
* [Farms & Estates](https://www.spf.co.uk/mortgages/specialist-mortgages/farms-and-estates/)
SHORT-TERM FINANCE
* [Bridging Finance](https://www.spf.co.uk/mortgages/short-term-finance/bridging-finance/)
* [Auction Finance](https://www.spf.co.uk/mortgages/short-term-finance/auction-finance/)
* [Refurbishment Finance](https://www.spf.co.uk/mortgages/short-term-finance/refurbishment-finance/)
INSURANCE
* [Buildings Insurance](https://www.spf.co.uk/insurance-and-protection/private-client-insurance/building-insurance/)
* [Contents Insurance](https://www.spf.co.uk/insurance-and-protection/private-client-insurance/contents-insurance/)
* [Landlords Insurance](https://www.spf.co.uk/insurance-and-protection/private-client-insurance/landlord-insurance/)
* [Listed Properties Insurance](https://www.spf.co.uk/insurance-and-protection/private-client-insurance/listed-properties-insurance/)
* [Rennovation Insurance](https://www.spf.co.uk/insurance-and-protection/private-client-insurance/renovation-insurance/)
* [High Value Motor Insurance](https://www.spf.co.uk/insurance-and-protection/private-client-insurance/high-value-motor-insurance/)
* [Jewellery & Fine Art Insurance](https://www.spf.co.uk/insurance-and-protection/private-client-insurance/jewellery-fine-art-insurance/)
FINANCIAL PROTECTION
* [Personal Protection](https://www.spf.co.uk/insurance-and-protection/financial-protection/personal-protection/)
* [Business Protection](https://www.spf.co.uk/insurance-and-protection/financial-protection/business-protection/)
* [Group Protection](https://www.spf.co.uk/insurance-and-protection/financial-protection/group-protection/)
COMMERCIAL INSURANCE
* [Commercial Insurance](https://www.spf.co.uk/insurance-and-protection/commercial-insurance/)
Legal Indemnity Insurance
* [Indemnity Insurance](https://www.spf.co.uk/insurance-and-protection/legal-indemnities/)
Retirement
* [Retirement Strategies](https://www.spf.co.uk/financial-planning/retirement-strategies/)
Investments
* [Investment Planning](https://www.spf.co.uk/financial-planning/investment-planning/)
Estate Planning
* [Inheritance Tax Planning](https://www.spf.co.uk/financial-planning/inheritance-tax-planning/)
Real Estate
* [Commercial Real Estate](https://www.spf.co.uk/commercial/commercial-real-estate/)
Business Finance
* [Business Finance](https://www.spf.co.uk/commercial/business-finance/)
Insurance
* [Commercial Insurance](https://www.spf.co.uk/insurance-and-protection/commercial-insurance/)
- EMPLOYEE BENEFITS
- PRIVATE OFFICE
- CAREERS
- INTRODUCERS
- CONTACT US
- MORTGAGES
- INSURANCE & PROTECTION
- FINANCIAL PLANNING
- COMMERCIAL
- EMPLOYEE BENEFITS
- PRIVATE OFFICE
- TOOLS
- INSIGHTS
- ABOUT US
- CAREERS
- INTRODUCERS
- CONTACT US
An Award-Winning Financial Services Intermediary
- Over 25 years experience providing expert advice to our clients
- Range of services from mortgages and commercial finance, to insurance and financial planning
- Our teams provide a premium, personalised and transparent service to all our clients
Our Key Services
Mortgages
Since 1997 we have provided best advice across a wide range of lending scenarios. From buying a first home through to multi-million-pound purchases, we have helped turn thousands of clients’ property dreams into reality.
INSURANCE & PROTECTION
Our teams of advisers cover Private Client, Commercial and Legal Indemnity Insurance plus Protection products. We work with a panel of leading insurance providers to ensure we find the most competitive and comprehensive insurance for our clients.
FINANCIAL PLANNING
Our independent financial advisers work across all areas of Financial Planning. From retirement strategies to investment strategies and inheritance tax planning, we can help you plan ahead for a more comfortable future.
COMMERCIAL
Our expert commercial teams can offer tailored advice across a wide range of finance solutions for commercial property, commercial insurances, as well as business finance options for small and medium sized businesses (SMEs).
Employee Benefits
We partner with HR and Employee Benefits & Wellbeing teams, across SMEs and large corporates, to provide their staff with an award-winning mortgage advice service.
What We Offer
A BESPOKE
SERVICE
We provide a premium, personalised service for all clients, working quickly and discreetly to achieve your desired outcome.
industry relationships
We have exceptional relationships with the lenders and insurance providers we work with, enabling us to negotiate the best terms for you.
specialist knowledge
For our advisers, no situation is too complicated – our expert knowledge and wealth of experience means we find solutions where others often cannot.
transparency and trust
Our impartial advisers pride themselves on their commitment to transparency, giving you peace of mind during the transaction.
Download Our Guides
a guide to buying at auction
a guide to remortgaging
a guide to refurbishment finance
a guide to mortgages
Latest Market Insights
The impact of Inheritance Tax changes on non-doms, and how to protect your wealth
A recent report from Henley & Partners, widely reported across the UK press, predicts a major exodus of millionaires from the UK in 2025. Many have left the UK either since, or in anticipation of, the non-dom rule changes announced last April. This was when
August 14, 2025
Bank of England votes to cut the base rate to 4 per cent in August 2025
The Monetary Policy Committee (MPC) has voted to cut interest rates by a quarter point to 4% at today’s meeting. Members voted by a majority of five to four in favour of a quarter-point reduction. The Committee said it “Continues to be vigilant about the
August 7, 2025
Joint Borrower Sole Proprietor mortgages – helping purchasers onto the housing ladder
A Joint Borrower Sole Proprietor mortgage enables multiple individuals (usually, but not always, parents of the offspring buying the property) to combine their incomes to help their child get the mortgage they need. Crucially, only the child legally owns the property – the parents, or
August 4, 2025
Feedback
What our clients say
Your property may be repossessed if you do not keep up repayments on your mortgage. For Buy-to-Let a ‘receiver of rent’ may be appointed and / or your rental property may be repossessed.
The FCA does not regulate some forms of Buy-to-Let and commercial mortgages, most business finance or taxation advice. The FCA also does not regulate estate planning, Inheritance Tax planning, cashflow modelling, wills or trusts.
The value of investments may fall as well as rise and you may not get back the full amount invested; past performance should not be taken as an indicator of future performance.
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/insurer.
SERVICES
Other Links
POLICIES/INFORMATION
- Accessibility
- Complaints
- Cookie Policy
- Equality & Diversity Policy
- FCA ScamSmart
- Important Information
- Privacy Policy
- Vulnerable Clients
Registered in England No. 3680970. Registered Office: 33 Gracechurch Street, London, EC3V 0BT.
SPF Private Clients Limited is authorised and regulated by the Financial Conduct Authority (FCA). SPF Private Clients Limited is an authorised credit broker and not a lender.
The FCA is the independent watchdog that regulates financial services. Our Financial Services Registration number is 189213. You can check this on the Financial Services Register by visiting www.fca.org.uk/register or by calling 0800 111 6768.
© SPF Private Clients Limited 2025
Website design by Goldmine Media
Want to talk to one of our expert advisers?
Notifications