Need assistance finding the best mortgage or finance for your project?

No matter what project you are looking to start, having the correct mortgage/ﬁnance in place is essential. SPF Private Clients are also part of the Howden Group and can help understand your requirements to advise on the best ﬁnancial products.

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Who are SPF Private Clients?

SPF are an award winning national brokerage employing over 200 people, with multiple office locations across the UK and teams based internationally. For over 25 years they have helped clients achieve their goals, with their teams of experts providing advice across:

SELF-BUILD MORTGAGES – Many clients dream of building their own home because they can make it exactly how they want it. However, a self-build project requires a diferent type of mortgage, for which you will need bespoke advice.

BRIDGING FINANCE – Looking for a short-term loan to purchase a property or release equity? Every bridging loan is diferent as each client’s circumstances are unique, so ﬁnding the most cost effective option is key.

AUCTION FINANCE – Buying a property at auction is both exciting and nerve-wracking. Once your bid is conﬁrmed successful, you’re committed to purchasing the property. Finding the most suitable and competitive ﬁnance quickly is key to completing the purchase.

REFURBISHMENT FINANCE – Refurbishment ﬁnance can be an excellent tool for landlords, property developers and owner occupiers who are looking to add value to their properties. Finance is available for all types of projects, from light refurbishment to heavy structural works, including altering the square footage of a building and carrying out works under planning permission.

Why use a mortgage adviser?

Mortgage advisers – or ‘mortgage brokers’ as they’re sometimes called – act as intermediaries between you, the borrower, and the lender. They are able to assess your ﬁnancial situation, guide you on the kind of mortgage or ﬁnance you need, and ﬁnd the best rates and terms based on what you can afford.

If you are looking for a specialist mortgage or ﬁnance then the right expert advice is even more important. In these complex and sometimes time-consuming transactions, having an expert on your side can help guide you through the whole process. SPF has expert teams of advisers, backed up by support teams who will help manage your application from start to completion.

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A house under construction with scaffolding, located in a rural area with green fields and vegetation in the foreground.

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.

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.

SPF may charge a fee for the advice they provide; this fee will be dependent upon your personal circumstances and will be agreed with you after they have fully understood your requirements. Any fee is payable upon successful completion of your transaction, unless agreed otherwise. SPF typically receive commission from the lender/insurer.

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Renovation Plan is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.