SPF Private Clients

SPF Private Clients: financial intermediation with over 25 years in the UK

SPF Private Clients is a London-based financial services intermediary operating across the UK. The firm began trading in May 1997 under the name Savills Private Finance, as the financial arm of the real estate group Savills plc. In 2011, following a management buyout and a rebranding process, it adopted its current name. Since August 2022 it has been part of the Howden Group, one of the largest insurance groups in the world. The company presents itself as a national brokerage employing over 200 people and with several offices across the country.

Residential mortgages and specialist finance

The mortgage area is one of the firm's main activities, with operations since 1997. It covers a wide spectrum of financing scenarios, from first-time home purchases to multi-million-pound acquisitions. Among the options it offers are:

• Residential mortgages: property purchase, remortgaging, high-net-worth mortgages, large mortgages, first-time buyers, new build and international buyers.
• Buy-to-let mortgages: buy-to-let property purchase, remortgaging and portfolio landlords.
• Specialist mortgages: later life lending, expat mortgages, self-build mortgages, international mortgages and farms & estates.
• Short-term finance: bridging finance, auction finance and refurbishment finance.

Insurance and financial protection

The company has teams of advisers covering private client, commercial and legal indemnity insurance, as well as protection products. It works with a panel of leading insurers to find the most competitive and comprehensive cover. Insurance cover includes:

• Buildings and contents insurance.
• Landlords insurance.
• Listed properties and renovation insurance.
• High value motor insurance.
• Jewellery and fine art insurance.
• Commercial insurance and legal indemnity insurance.

In the area of financial protection, it offers personal, business and group protection solutions.

Financial planning and wealth advice

SPF Private Clients' independent financial advisers cover all areas of financial planning. Their offering includes retirement strategies, investment planning, estate planning and inheritance tax planning. The stated aim is to help clients plan ahead for a more comfortable future.

Commercial and business services

The commercial area offers tailored advice on finance solutions for commercial property, commercial insurance and business finance options for small and medium-sized enterprises (SMEs). In addition, the firm works with HR and employee benefits and wellbeing teams, both in SMEs and large corporates, to provide their staff with a mortgage advice service.

Client tools and resources

The company's website makes available to users mortgage calculators (quick mortgage calculator, how much can I borrow calculator, remortgage calculator, what if rates change calculator, stamp duty calculator and buy-to-let stamp duty calculator), as well as downloadable guides on buying at auction, remortgaging, refurbishment finance and mortgages. It also publishes market insights, educational videos and guides under the Money Alive brand.

Structure and regulation

SPF Private Clients Limited is registered in England with number 3680970 and its registered office is at 33 Gracechurch Street, London, EC3V 0BT. The entity is authorised and regulated by the Financial Conduct Authority (FCA) with financial services register number 189213. It operates as an authorised credit broker, not as a lender. The firm warns that failure to keep up mortgage payments may lead to repossession and that, in the case of buy-to-let, a receiver of rent may be appointed or the rented property repossessed. It also notes that the FCA does not regulate some forms of buy-to-let, commercial mortgages, business finance or tax advice, nor estate planning, inheritance tax planning, cash flow modelling, wills or trusts. The company states that it may charge fees for advice, the amount of which depends on personal circumstances and is agreed after understanding the client's needs, and that it usually receives commission from the lender or insurer.

Location and contact

33 Gracechurch Street, London, EC3V 0BT