SPF Private Clients (Part of Howden)
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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.
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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.
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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.
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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).
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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.
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A BESPOKE
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.
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a guide to buying at auction
a guide to remortgaging
a guide to refurbishment finance
a guide to mortgages
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Latest Market Insights
Bank of England votes to hold the base rate at 4 per cent in November 2025
Whilte the Monetary Policy Committee (MPC) voted to hold interest rates at 4% at today’s meeting, the cost of borrowing continues to ease with several big lenders recently reducing their mortgage pricing. The Bank voted to hold rates for a second consecutive meeting, with members
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November 6, 2025
Bank of England votes to hold the base rate at 4 per cent in September 2025
The Monetary Policy Committee (MPC) has voted to hold interest rates at 4% at today’s meeting. Members voted by a majority of seven to two in favour of a hold, with two members voting for a quarter-point reduction to 3.75%. The Committee said it “remains
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September 18, 2025
Rumoured property tax reforms and the Autumn budget
The Chancellor of the Exchequer has announced that her budget will be on 26 November 2025. While it is still some way off, there is already much speculation as to what might be included, with Rachel Reeves reportedly having a far larger multimillion-pound black hole
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September 15, 2025
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What our clients say
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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.
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POLICIES/INFORMATION
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
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