SPF Private Clients

Business Details

29 Years

experience

Your Trusted Financial Partner in London

Established in 1997, SPF Private Clients has built a reputation as a trusted financial services intermediary with over 25 years of industry expertise. Our team specialises in delivering tailored mortgage solutions, commercial finance, insurance products, and comprehensive financial planning strategies. We serve both private and corporate clients, offering a premium, personalised service that prioritises transparency and client satisfaction. Our advisers possess deep market knowledge, enabling us to navigate complex lending scenarios and secure competitive terms through strong relationships with leading providers.

As an FCA-authorised credit broker, we maintain rigorous professional standards while providing impartial advice across residential mortgages, buy-to-let portfolios, inheritance tax planning, and business finance solutions. Our commitment to innovation is demonstrated through digital tools like mortgage calculators and educational resources, while our award-winning approach has earned client trust for decades.

Services

Residential Mortgages Buy-to-Let Mortgages Financial Planning Commercial Insurance Bridging Finance

Details

Year established: 1997

Highlights and features

25+ years of specialist mortgage and financial planning experience
Personalised service with transparent fee structures
FCA-authorised with strong industry lender relationships
Award-winning team of qualified financial professionals
Expertise in complex lending scenarios and tax planning

Associations and certifications

Financial Conduct Authority (FCA)

What people say

Expert mortgage advice Transparent fee structures Successful property financing Specialist tax planning Knowledgeable team

Website

Update Listing

Services

Residential Mortgages

We provide comprehensive residential mortgage solutions for first-time buyers, home movers, and high-net-worth individuals. Our FCA-regulated advisers help clients secure competitive rates across new purchases, remortgaging, and specialist scenarios like new build properties. With access to major lenders, we offer tailored advice on repayment structures, eligibility criteria, and application processes to ensure optimal outcomes.

Financial Planning

Our independent financial advisers create bespoke strategies covering retirement planning, investment management, and inheritance tax mitigation. We assess individual circumstances to develop sustainable wealth preservation plans, incorporating pension optimisation and estate planning solutions. Regular portfolio reviews ensure strategies adapt to changing market conditions and personal circumstances while maintaining regulatory compliance.

Commercial Insurance

We offer tailored commercial insurance solutions for SMEs and property investors, including legal indemnity coverage and asset protection. Our team works with leading insurers to secure comprehensive policies for commercial property, business interruption, and liability risks. Specialist expertise extends to complex cases like listed buildings and high-value assets, ensuring adequate coverage at competitive premiums.

Bridging Finance

Our bridging finance specialists provide rapid funding solutions for property purchases requiring quick completion. This includes auction purchases, refurbishment projects, and chain break scenarios. We access specialist lenders offering flexible terms with loan-to-value ratios up to 75%, supported by transparent fee structures and expedited application processes to meet tight deadlines.

Buy-to-Let Mortgages

We specialise in buy-to-let mortgage solutions for portfolio landlords and individual investors. Our services cover standard remortgaging, limited company structures, and large portfolio financing. We provide cashflow analysis, stress testing, and tax-efficient structuring advice while maintaining relationships with specialist buy-to-let lenders to secure competitive rates and flexible terms.

Questions

What mortgage types do you specialise in?

We specialise in residential mortgages, buy-to-let portfolios, commercial property finance, and specialist products for high-net-worth clients including expatriates.

Are your services regulated?

Yes, SPF Private Clients is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 189213.

How do you charge for mortgage advice?

We charge transparent fees based on individual circumstances, typically receiving commission from lenders upon transaction completion. Full details are provided during initial consultations.

Do you offer commercial finance solutions?

Yes, we provide commercial mortgages, business finance, and insurance solutions tailored to SMEs and property investors across the UK.

Can you help with complex mortgage scenarios?

Our team specialises in complex cases including non-dom tax status, self-build projects, listed properties, and large loan amounts exceeding £1 million.

Reviews (7)

Write a Review

James Burdass

Mar 17, 2022 Report

If you have complex circumstances, or your property is in the 'weird and the wonderful' category I highly recommend calling Victoria at SPF Private Clients. I was initially concerned about a mortgage broker having a bank attached to it but now my re-mortgage to SPF's affiliate LendCo is completed, I see many benefits. In a little less than a month, Victoria at SPF has worked very hard to get our freehold flat re-mortgaged.

It is widely thought that freehold flats are unmortgageable but with a few lenders this isn't the case. LendCo were comfortable with the security and were able to help at a surprisingly realistic rate. Having a mortgage broker with such specialist knowledge is highly valuable. The process wasn't perfect and there were some bumps along the way, however Victoria did everything she could to make it happen and it's all done now! Good job!

Patrick Paxton

Dec 14, 2021 Report

Elena and Megan made this process an absolute dream. They were ahead of the game, solved any problem almost before we knew about it and undoubtedly provided us with a service we would not have received elsewhere. Any and all of my future mortgage advice will be sought here!

Morteza Naimi

Oct 24, 2021 Report

Our experience with Adam Flaherty could not be more pleasant. Adam is extremely friendly and professional and delivered the most exceptional level of care you could imagine. Being a complete newbie to mortgage and other applications, Adam made it the easiest and most efficient part of the whole process of buying a flat. His honesty and expertness really put our mind at ease. Whenever we were in doubt, Adam was on the bell and was happy to help and give suggestions even on things that were not directly related to his role and for that we are very grateful. I would confidently recommend Adam to anyone.

Abigail Ali

Oct 16, 2021 Report

Thank you very much to Elena Todorova and Megan Horsley for helping us with the purchase of our first home. They are very knowledgeable and always available to help. We would recommend them to anyone needing a broker.

Morten Legarth

Jun 24, 2021 Report

I can't recommend enough. I was referred to Elena Todorova by a good friend, and I'm very happy that I took his advice. Both Elena and her colleague Megan Horsley were extremely helpful, knowledgeable and efficient. Very friendly to speak work with and super professional.

Maxim Shc

Jun 22, 2021 Report

I was referred to Scott McHugh by the friend of mine who worked with Scott on his property purchase. I didn't even know how lucky I was to find out about SPF from the friend of mine rather than trying to google for the mortgage broker. I was amazed by a fantastic job Scott and the team have done throughout the entire property buy journey. I was in a good hands from the very beginning as I could bring up any question I had and get always a professional and experienced answer and guidance which made all the process so simple for me.

Brilliant job and a great experience for me by working with a high class team. Recommend to everyone who wants hassle free mortgage with guaranteed high quality results in a very time efficient manner!

Jun 13, 2021 Report

It's the first time we used a mortgage broker, Elena Todorava and her assistant Megan Horsley have been brilliant. They were super responsive, supportive and great to work with. Highly recommending Elena and her team. Wonderful services!