SPF Private Clients
Whether you are buying your first flat, getting married, having children, investing in a holiday home or planning your retirement, SPF can make it happen. We help clients achieve their goals by providing the right funding, wealth management and insurance advice.
Mortgage Calculator
Stamp Duty Calculator
| Tax Band | % | Taxable Sum | Tax |
|---|---|---|---|
£0 - £125,000 |
0% |
£0.00 |
£0.00 |
£125,000 - £250,000 |
2% |
£0.00 |
£0.00 |
£250,000 - £925,000 |
5% |
£0.00 |
£0.00 |
£925,000 - £1,500,000 |
10% |
£0.00 |
£0.00 |
£1,500,000+ |
12% |
£0.00 |
£0.00 |
£0 - £300,000 |
0% |
£0.00 |
£0.00 |
£300,000 - £500,000 |
5% |
£0.00 |
£0.00 |
27 March 2020
Lenders temporarily pull products and reduce LTVs but...
Halifax sent a note to brokers yesterday saying that it is restricting new lending to…
Read More12 March 2020
Budget 2020: the key issues for housing
Coronavirus – and measures to deal with it – took up much of the focus…
Read More12 March 2020
NatWest and RBS offer payment holidays to borrowers...
NatWest and Royal Bank of Scotland mortgage customers affected by coronavirus could defer their mortgage…
Read More6 March 2020
Lenders required to be more creative to attract...
New figures from UK Finance reveal a slight fall in mortgage activity for home purchases,…
Read More27 February 2020
SPF Commercial team completes £12m development deal in...
Daniel O’Neil, Director at SPF Private Clients (SPF) arranged funding for the £19.6m development project…
Read More13 February 2020
Increased flexibility for borrowers as lenders split mortgage...
Many borrowers are under the illusion that a mortgage term should be 25 years, while…
Read More31 January 2020
Press Coverage
There is much speculation whether mortgage rates will go up after Brexit but Mark Harris…
Read More24 January 2020
What does 2020 hold in store for mortgages?
We are cautiously optimistic about 2020. The election result brings a degree of political certainty,…
Read More16 January 2020
Good news for borrowers as lenders keen to...
The Bank of England’s quarterly Credit Conditions survey reports that mortgages were more readily available…
Read More6 January 2020
Nationwide: House prices rose by 1.4% in 2019
The housing market held up remarkably well in 2019, despite all the economic and political…
Read More21 December 2019
Will the housing market see a Boris Bounce?
There are high hopes that the landslide Conservative election victory will lead to a ‘Boris…
Read More28 November 2019
Press Coverage
London property prices dropped for the 19th consecutive month, according to the Land Registry. ‘More…
Read More28 November 2019
Political parties have buy-to-let in their sights while...
The main political parties are clearly keen to attract the tenant vote, with party manifestos…
Read More11 November 2019
Rate war rages as five-year fixes slip below...
Mortgages have hit record lows with five-year fixed-rate mortgages falling below 1.5 per cent. There…
Read More31 October 2019
Press Coverage
There has been an increase in number of first-time buyers getting on the housing ladder…
Read More29 October 2019
Borrowers opt for five-year fixed-rates
The Nationwide house-price index for October reveals that half of all borrowers are taking out…
Read More14 October 2019
Flat property market means more competitive mortgage products
Annual house-price growth has dipped to a six-year low, according to new figures from the…
Read More7 October 2019
Rents rise but landlords still need to keep...
A new survey from HomeLet reveals that UK rents hit a record high of £970…
Read More30 September 2019
Press Coverage
Successful entrepreneurs are finding it hard to get a mortgage. SPF Private Clients helped Jane…
Read More20 September 2019
Welcome uplift in first-time buyer numbers
New figures from UK Finance reveal a welcome uplift in first-time buyer numbers in July…
Read More9 September 2019
House prices steady and lenders reduce pricing
The latest monthly house price index from the Halifax reveals that house prices rose by…
Read More27 August 2019
Press Coverage
Halifax reported that house prices fell 0.2 per cent in July. Mark Harris of SPF Private…
Read More19 August 2019
Buying in France - cash or mortgage?
Miranda John, director of international property finance at SPF Private Clients, discusses the market for…
Read More14 August 2019
Steady as she goes for the housing market
Average UK house prices rose by 0.9 per cent in the 12 months to June,…
Read More13 August 2019
IT PAYS TO PLAN AHEAD WHEN IT COMES...
The summer months tend to be quieter for the housing market as people head off…
Read More25 July 2019
It pays to plan ahead when it comes...
While long hot sunny days are at the forefront of most people’s minds, those who…
Read More15 July 2019
Press Coverage
Lenders are competing for a dwindling number of mortgage customers. Mark Harris of SPF Private…
Read More5 July 2019
House prices stabilise in June
House prices rose by 2.4 per cent over the past quarter and by 5.7 per…
Read More18 June 2019
Lenders trim rates as first-time buyer numbers remain...
Swap rates continue on a largely downward trend, which appears at odds with some of…
Read More13 June 2019
Press Coverage
If you are an accountant, doctor or one of a number of other professions, you…
Read More30 May 2019
Mortgage approvals rise strongly in April
There is some good news for the housing market as the number of mortgages approved…
Read More17 May 2019
Overseas market recovers despite Brexit uncertainty
Brexit uncertainty is having a negative impact on the UK housing market, deterring many would-be…
Read More7 May 2019
press coverage
Lenders are cutting their mortgage rates as they try to attract new borrowers. Mark Harris…
Read More25 April 2019
Property transactions rise in March – HMRC
The number of property transactions rose 1.4 per cent month-on-month in March and 6.8 per…
Read More12 April 2019
Rising demand leads to more holiday let mortgages
The growth in popularity of ‘staycations’, where people holiday at home rather than travelling overseas,…
Read More5 April 2019
Brexit uncertainty results in monthly fall in property...
UK house prices fell 1.6 per cent from February to March, according to the latest…
Read More19 March 2019
SPF secures £15m of funding for first Bliss...
SPF Private Clients is delighted to have arranged funding for the first Bliss hotel –…
Read More18 March 2019
Market Update. March 2019
The year has got off to a remarkably good start on the lending front, despite…
Read More18 March 2019
Press Coverage
House-price growth meant the average home in the UK cost £231,000 in December, a rise…
Read More14 February 2019
SPF Private Clients introduces AI mortgage adviser
SPF Private Clients has developed Ava, an AI virtual Help to Buy mortgage adviser, to…
Read More6 February 2019
Is Brexit putting the brakes on the property...
Brexit has caused a slowdown in purchase activity as would-be buyers sit on their hands,…
Read More30 January 2019
Assisting the Bank of Mum and Dad –...
The Bank of Mum and Dad is being called upon more than ever when it…
Read More24 January 2019
Ten-year fixes becoming more popular?
Uncertainty surrounding Brexit is said to be behind the increase in the number of ten-year…
Read More7 January 2019
Press Coverage
The best way for young people to get on the housing ladder is to have…
Read More7 January 2019
What’s in store for the mortgage market in...
2019 looks set to be an intriguing year. Let’s hope we manage to avoid falling…
Read More13 December 2018
Mortgage industry launches charity single in aid of...
More than 30 years after Band Aid released a song to raise money for starving…
Read More13 December 2018
What will 2018 be remembered for in the...
2018 will mostly be remembered for its uncertainty and for being a challenging year. While…
Read More26 November 2018
Professionals can borrow six times income via new...
Darlington Building Society has launched a new professionals mortgage range, lending up to six times…
Read More22 November 2018
Mortgages after retirement
Most people envisage paying off their mortgage before they retire so that they no longer…
Read More15 November 2018
Mortgage Market Softens in September but rates still...
September saw a slowdown in mortgages taken out for new purchases on residential and buy-to-let,…
Read More31 October 2018
Budget 2018: What it means for property
Chancellor Philip Hammond delivered his final Budget before Brexit this week, announcing that austerity is…
Read More29 October 2018
Press Coverage
Despite mortgages becoming more expensive, borrowers can still cut their mortgage term and pay less…
Read More16 October 2018
First-time buyer numbers at highest level since June...
The number of first-time buyer completions rose 2 per cent in August to the highest…
Read More12 October 2018
How to pay your mortgage off early
Borrowers who are sitting on their lender’s standard variable rate could spend many more years…
Read More26 September 2018
Press Coverage
There are concerns that those with Help to Buy mortgages may struggle to remortgage when…
Read More10 September 2018
As lenders hike their SVRs, it may be...
The average standard variable rate (SVR) rose from 4.72 to 4.85 per cent in September,…
Read More21 August 2018
press coverage
Accidental landlords are not allowed to simply rent out their property and keep their residential…
Read More7 August 2018
The lending market in Spain
PROPERTY MARKETS IN MARBELLA AND THE BALEARICS ARE RECORDING HIGH LEVELS OF DEMAND FROM OVERSEAS…
Read More2 August 2018
Market Update. Bank of England Base Rate rises...
The Bank of England has increased interest rates by a quarter of a point to…
Read More25 July 2018
Press Coverage
Mortgage lenders are offering hundreds of pounds in cashback to entice borrowers. Mark Harris of…
Read More13 July 2018
Rate rise threat leads to launch of ten-year...
Lloyds and Halifax this week launched new ten-year fixed-rate mortgages. But are borrowers ready to…
Read More6 July 2018
Buoyant market for development finance, while advice required...
There is good news for those requiring development finance as the lending market is particularly…
Read More29 June 2018
Annual house price growth slows, says Nationwide
Annual growth in house prices fell to its slowest pace in five years in June,…
Read More21 June 2018
Press Coverage
A new mortgage deal from Leeds Building Society is aimed at buy-to-let landlords seeking to…
Read More8 June 2018
Lenders still very much open for business
The residential lending market remains ultra competitive and well supplied in terms of mortgage options….
Read More8 June 2018
The evolving nature of buy-to-let
The buy-to-let landscape has seriously shifted over the past few months. Various changes, such as…
Read More25 May 2018
Press coverage
First-time buyers took on £5.1 billion of new lending in March, according to UK Finance….
Read More10 May 2018
Interest rates held at 0.5 per cent
Interest rates have been held at 0.5 per cent, despite some speculation earlier this year…
Read More4 May 2018
WHY THE CHEAPEST MORTGAGE IS NOT NECESSARILY THE...
Nearly a third of borrowers are not getting the cheapest mortgage, according to the Financial…
Read More23 April 2018
Cheap mortgage deals may disappear as lenders anticipate...
Speculation is raging as to whether there will be in an interest rate rise next…
Read More6 April 2018
Press Coverage
Barclays has become the first lender to offer a new type of green mortgage for…
Read More20 March 2018
THE PROPERTY MARKET IN CONTINENTAL EUROPE PROVING RESILIENT
DESPITE UNCERTAINTY CREATED BY THE BREXIT NEGOTIATIONS, LAST YEAR SAW AN INCREASE IN BRITS BUYING…
Read More12 March 2018
SPF Private Clients assists Mulbury City with funding...
SPF Private Clients (SPF) has successfully secured funding for Mulbury City (Mulbury Homes), the developer…
Read More12 March 2018
Mortgage rates move upwards as market factors in...
Pricing on two-year fixed-rate mortgages is at its highest level since 2016, according to data…
Read More13 February 2018
Press Coverage
New investment in buy-to-let has fallen by £20bn in two years as the combination of…
Read More13 February 2018
Why now may be the time to remortgage
At the end of last year, Mark Carney, Governor of the Bank of England, said that…
Read More30 January 2018
SPF Private Clients Commercial team breaks £1 billion...
Despite fears around Brexit and ongoing political concerns, the commercial property market was incredibly resilient…
Read More29 January 2018
Mortgage approvals at lowest level in five years,...
December was a quieter month for the mortgage market, as one might expect with the festive…
Read More19 January 2018
SANTANDER REPLACES SVR WITH CHEAPER FOLLOW-ON RATE
Santander has launched a second standard variable rate (SVR) which will apply to new mortgages….
Read More11 January 2018
Press Coverage
Householders are rushing to tie in to low mortgage rates, according to Nationwide building society….
Read More9 January 2018
New Year heralds mortgage rate cuts
As we settle into 2018, lenders keen for their share of a sluggish housing market…
Read More12 December 2017
What 2018 has in store for property and...
2017 turned out to be a stronger-than-expected year for the housing market and borrowers were…
Read More29 November 2017
Press Coverage
Lenders could launch more first-time buyer loans following the stamp duty changes announced in the…
Read More27 November 2017
WHAT THE BUDGET MEANS FOR FIRST-TIME BUYERS AND...
IN THE BUDGET THE CHANCELLOR ANNOUNCED THAT STAMP DUTY WOULD BE WAIVED FOR FIRST-TIME BUYERS…
Read More21 November 2017
Mortgage Market Update
The Bank of England may have decided to raise interest rates by a quarter of…
Read More16 November 2017
Why the Alps appeal to British buyers after...
AS THE FIRST SNOW FALLS IN THE MOUNTAINS, MANY PEOPLE’S THOUGHTS TURN TO THE COMING…
Read More7 November 2017
Press Coverage
Millions of borrowers on their lender’s standard variable rate will pay a total of nearly…
Read More2 November 2017
Bank of England raises interest rates to 0.5...
The Bank of England’s decision to raise interest rates by a quarter point was widely…
Read More16 October 2017
Is it the end of cheap fixed-rate mortgages?
MANY LENDERS HAVE PULLED THEIR CHEAPEST FIXED-RATE MORTGAGES AND REPRICED THEM UPWARDS IN THE PAST…
Read More3 October 2017
Press Coverage
It is a crucial moment for homeowners to review their mortgage as competition between lenders…
Read More29 September 2017
Should Borrowers Fix For Two Or Five Years?
MARK CARNEY, GOVERNOR OF THE BANK OF ENGLAND, TODAY HINTED THAT INTEREST RATES MAY NEED…
Read More21 September 2017
BANK OF ENGLAND WARNS OF POTENTIAL INTEREST RATE...
IN THE SAME WEEK AS ONE LENDER LAUNCHED THE CHEAPEST-EVER 80 PER CENT LOAN-TO-VALUE (LTV)…
Read More13 September 2017
How The Portuguese Market Is Bearing Up To...
THE CONSEQUENCES OF BREXIT ON THE PROPERTY MARKETS ACROSS EUROPE INITIALLY DETERRED BRITISH BUYERS BUT…
Read More1 September 2017
Press Coverage
Property prices are still rising but at a slower pace in the second quarter of…
Read More25 August 2017
First-Time Buyers And Remortgagers Drive Housing Market
RECORD LOW MORTGAGE RATES HAVE PERSUADED FIRST-TIME BUYERS AND THOSE REMORTGAGING TO TAKE THE PLUNGE…
Read More16 August 2017
RAISING MONEY AGAINST YOUR HOME FOR INVESTMENT PURPOSES
WITH INTEREST RATES AT RECORD LOWS, A GROWING NUMBER OF INVESTORS ARE SAID TO BE…
Read More31 July 2017
Press Coverage
It’s been a decade since the credit crunch burst the property bubble. The subsequent Mortgage…
Read More28 July 2017
MORTGAGE APPROVALS TICK LOWER BUT LENDER APPETITE UNDIMINISHED
MORTGAGE APPROVALS IN JUNE WERE LOWER THAN THE MONTHLY AVERAGE OVER THE PREVIOUS SIX MONTHS,…
Read More10 July 2017
Press Coverage
House prices in the UK rebounded in June, according to Nationwide building society. Mark Harris,…
Read More7 July 2017
WHY HIGH MORTGAGE FEES MAY SOMETIMES BE WORTH...
THE AVERAGE FIXED MORTGAGE ARRANGEMENT FEE IS NOW AT ITS HIGHEST POINT SINCE AUGUST 2013,…
Read More3 July 2017
WHAT’S HAPPENING TO THE FRENCH PROPERTY MARKET POST-EU...
FRANCE HAS LONG BEEN A POPULAR DESTINATION FOR BRITS LOOKING TO BUY PROPERTY ABROAD AND…
Read More28 June 2017
Press Coverage
Most first-time buyers who get a mortgage through SPF Private Clients receive ‘significant financial assistance’…
Read More27 June 2017
BUY-TO-LET FALTERS AS TAX CRACKDOWN AND TOUGHER CRITERIA...
THE COUNCIL OF MORTGAGE LENDERS (CML) HAS REVISED ITS BUY-TO-LET FORECASTS DOWNWARDS, EXPECTING £35 BILLION…
Read More15 June 2017
LENDERS TARGET THOSE REMORTGAGING WITH ROCK-BOTTOM RATES
A HUNG PARLIAMENT MAY HAVE BEEN THE UNEXPECTED OUTCOME OF THE GENERAL ELECTION BUT THE…
Read More12 June 2017
Press Coverage
The General Election may have resulted in a hung parliament but there is no need…
Read More6 June 2017
Portuguese Property Market Recovers as Brits are enticed...
THE PORTUGUESE PROPERTY MARKET WAS HIT HARD BY THE FINANCIAL DOWNTURN BUT A RECENT VISIT…
Read More2 June 2017
SPF Private Clients celebrates 20 years
We are delighted to announce that SPF Private Clients is this week celebrating its 20th anniversary….
Read More23 May 2017
Press Coverage
House prices are rising faster than incomes but one way of keeping costs down is…
Read More23 May 2017
WHY OVERPAYING ON YOUR MORTGAGE CAN MAKE A...
WITH BASE RATE AT ROCK BOTTOM, AND SAVINGS NOT EARNING MUCH IN THE WAY OF…
Read More9 May 2017
Press Coverage
The Bank of Mum and Dad is the 10th biggest mortgage lender, according to a…
Read More8 May 2017
Why election fever is not having a negative...
Prime Minister Theresa May’s announcement that there would be a general election next month took…
Read More3 May 2017
CALLING UPON THE BANK OF MUM AND DAD...
PARENTS ARE PREDICTED TO LEND MORE THAN £6.5BN THIS YEAR TO HELP THEIR CHILDREN GET…
Read More24 April 2017
Press Coverage
Lenders have been cutting their mortgage rates in order to attract more business. Mark Harris…
Read More13 April 2017
HOW LOW CAN MORTGAGES GO?
JUST WHEN WE THOUGHT MORTGAGE RATES HAD GONE AS LOW AS THEY POSSIBLY COULD, PARTICULARLY…
Read More5 April 2017
IS IT ABOUT TO BECOME EASIER FOR BRITS...
MANY PEOPLE ARE CONCERNED ABOUT THE POSSIBLE REPERCUSSIONS OF BREXIT ON MORTGAGES IN OVERSEAS COUNTRIES…
Read More29 March 2017
Press Coverage
Mortgage rates continue to fall. Mark Harris of SPF Private Clients, said: ‘It is almost…
Read More23 March 2017
Pooling resources - why it's worth seeking expert...
MOVING IN WITH A PARTNER IS A RELATIONSHIP MILESTONE BUT WHILE IT’S NOT ROMANTIC, YOU…
Read More17 March 2017
WHAT IS THE OUTLOOK FOR MORTGAGE RATES?
DESPITE THE US FEDERAL RESERVE RAISING INTEREST RATES BY A QUARTER POINT THIS WEEK, THE…
Read More15 March 2017
Press Coverage
Borrowers worried about the potential effect of Brexit and the Trump administration can lock in…
Read More7 March 2017
As life becomes tougher for landlords, it is...
THE BUY-TO-LET MARKET HAS CHANGED SIGNIFICANTLY OVER THE PAST 18 MONTHS, WITH A STAMP DUTY…
Read More28 February 2017
Press Coverage
Analysis by Savills for The Times reveals that the average London homebuyer is borrowing four…
Read More21 February 2017
Financing options for buying in France, Spain, Portugal...
WITH THE POUND MAKING UP GROUND ON THE EURO SINCE THE INITIAL SHOCK OF THE…
Read More14 February 2017
Press Coverage
There has been much debate over whether borrowers should take out a 10-year fixed-rate mortgage…
Read More10 February 2017
BORROWERS WELCOME THE RETURN OF THE SUB 1...
AT THE END OF LAST YEAR, THERE WAS SOME SPECULATION THAT WE HAD SEEN THE…
Read More26 January 2017
MORTGAGE LENDING REACHES HIGHEST LEVELS SINCE 2008, SAYS...
GROSS MORTGAGE LENDING REACHED AN ESTIMATED £20.4 BILLION IN SEPTEMBER, BRINGING THE TOTAL FOR THE…
Read More23 January 2017
Press Coverage
Over the past few days you may have seen us mentioned in the following articles: London…
Read More18 January 2017
WHAT DOES THE YEAR HAVE IN STORE FOR...
2016 TURNED OUT TO BE A DRAMATIC YEAR AND THE UNEXPECTED VOTE TO LEAVE THE…
Read More11 January 2017
Why New Year is a great time for...
While many people make new year resolutions to lose weight or drink less alcohol, it…
Read More14 December 2016
Is buy-to-let set to become less attractive for...
THE BUY-TO-LET SECTOR HAS BEEN HIT BY A STRING OF PUNITIVE MEASURES DESIGNED TO LEVEL…
Read More14 December 2016
Multi-generational living on the rise as families club...
RISING PROPERTY PRICES AND STAGNANT SALARIES COMBINED WITH OLDER GENERATIONS SURVIVING FOR LONGER AND REQUIRING…
Read More14 December 2016
Buying at auction - why it’s vital to...
INVESTORS KEEN TO SNAP UP A PROPERTY AT A BARGAIN PRICE MAY BE TEMPTED TO…
Read More12 December 2016
Should you snap up a long-term fixed rate...
After a long period of lenders continually reducing their fixed-rate mortgages, we are starting to…
Read MoreNeed assistance? Please get in touch
SPF Private Clients are experts in helping people achieve their goals by providing the right funding, wealth management and insurance advice.