Financial and Mortgage Solutions

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

26 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…

22 November 2018

Mortgages after retirement

Most people envisage paying off their mortgage before they retire so that they no longer…

15 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,…

31 October 2018

Budget 2018: What it means for property

Chancellor Philip Hammond delivered his final Budget before Brexit this week, announcing that austerity is…

29 October 2018

Press Coverage

Despite mortgages becoming more expensive, borrowers can still cut their mortgage term and pay less…

16 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…

12 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…

26 September 2018

Press Coverage

There are concerns that those with Help to Buy mortgages may struggle to remortgage when…

10 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,…

21 August 2018

press coverage

Accidental landlords are not allowed to simply rent out their property and keep their residential…

7 August 2018

The lending market in Spain

PROPERTY MARKETS IN MARBELLA AND THE BALEARICS ARE RECORDING HIGH LEVELS OF DEMAND FROM OVERSEAS…

2 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…

25 July 2018

Press Coverage

Mortgage lenders are offering hundreds of pounds in cashback to entice borrowers. Mark Harris of…

13 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…

6 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…

29 June 2018

Annual house price growth slows, says Nationwide

Annual growth in house prices fell to its slowest pace in five years in June,…

21 June 2018

Press Coverage

A new mortgage deal from Leeds Building Society is aimed at buy-to-let landlords seeking to…

8 June 2018

Lenders still very much open for business

The residential lending market remains ultra competitive and well supplied in terms of mortgage options….

8 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…

25 May 2018

Press coverage

First-time buyers took on £5.1 billion of new lending in March, according to UK Finance….

10 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…

4 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…

23 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…

6 April 2018

Press Coverage

Barclays has become the first lender to offer a new type of green mortgage for…

20 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…

12 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…

12 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…

13 February 2018

Press Coverage

New investment in buy-to-let has fallen by £20bn in two years as the combination of…

13 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…

30 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…

29 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…

19 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….

11 January 2018

Press Coverage

Householders are rushing to tie in to low mortgage rates, according to Nationwide building society….

9 January 2018

New Year heralds mortgage rate cuts

As we settle into 2018, lenders keen for their share of a sluggish housing market…

12 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…

29 November 2017

Press Coverage

Lenders could launch more first-time buyer loans following the stamp duty changes announced in the…

27 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…

21 November 2017

Mortgage Market Update

The Bank of England may have decided to raise interest rates by a quarter of…

16 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…

7 November 2017

Press Coverage

Millions of borrowers on their lender’s standard variable rate will pay a total of nearly…

2 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…

16 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…

3 October 2017

Press Coverage

It is a crucial moment for homeowners to review their mortgage as competition between lenders…

29 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…

21 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)…

13 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…

1 September 2017

Press Coverage

Property prices are still rising but at a slower pace in the second quarter of…

25 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…

16 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…

31 July 2017

Press Coverage

It’s been a decade since the credit crunch burst the property bubble. The subsequent Mortgage…

28 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,…

10 July 2017

Press Coverage

House prices in the UK rebounded in June, according to Nationwide building society. Mark Harris,…

7 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,…

3 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…

28 June 2017

Press Coverage

Most first-time buyers who get a mortgage through SPF Private Clients receive ‘significant financial assistance’…

27 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…

15 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…

12 June 2017

Press Coverage

The General Election may have resulted in a hung parliament but there is no need…

6 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…

2 June 2017

SPF Private Clients celebrates 20 years

We are delighted to announce that SPF Private Clients is this week celebrating its 20th anniversary….

23 May 2017

Press Coverage

House prices are rising faster than incomes but one way of keeping costs down is…

23 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…

9 May 2017

Press Coverage

The Bank of Mum and Dad is the 10th biggest mortgage lender, according to a…

8 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…

3 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…

24 April 2017

Press Coverage

Lenders have been cutting their mortgage rates in order to attract more business. Mark Harris…

13 April 2017

HOW LOW CAN MORTGAGES GO?

JUST WHEN WE THOUGHT MORTGAGE RATES HAD GONE AS LOW AS THEY POSSIBLY COULD, PARTICULARLY…

5 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…

29 March 2017

Press Coverage

Mortgage rates continue to fall. Mark Harris of SPF Private Clients, said: ‘It is almost…

23 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…

17 March 2017

WHAT IS THE OUTLOOK FOR MORTGAGE RATES?

DESPITE THE US FEDERAL RESERVE RAISING INTEREST RATES BY A QUARTER POINT THIS WEEK, THE…

15 March 2017

Press Coverage

Borrowers worried about the potential effect of Brexit and the Trump administration can lock in…

7 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…

28 February 2017

Press Coverage

Analysis by Savills for The Times reveals that the average London homebuyer is borrowing four…

21 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…

14 February 2017

Press Coverage

There has been much debate over whether borrowers should take out a 10-year fixed-rate mortgage…

10 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…

26 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…

23 January 2017

Press Coverage

Over the past few days you may have seen us mentioned in the following articles: London…

18 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…

11 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…

14 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…

14 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…

14 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…

12 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…

We Make it happen

Mortgages

Insurance

Wealth Management

Commercial Finance

Residential Rates

1.39%

5.69%

4.8%APRC

£1999

Investment Rates

1.39%

5.09%

4.6%APRC

£1995

Mortgage Calculator

Stamp Duty Calculator

26 November 2018

Professionals can borrow six times income via new...

22 November 2018

Mortgages after retirement

15 November 2018

Mortgage Market Softens in September but rates still...

31 October 2018

Budget 2018: What it means for property

29 October 2018

Press Coverage

16 October 2018

First-time buyer numbers at highest level since June...

12 October 2018

How to pay your mortgage off early

26 September 2018

Press Coverage

10 September 2018

As lenders hike their SVRs, it may be...

21 August 2018

press coverage

7 August 2018

The lending market in Spain

2 August 2018

Market Update. Bank of England Base Rate rises...

25 July 2018

Press Coverage

13 July 2018

Rate rise threat leads to launch of ten-year...

6 July 2018

Buoyant market for development finance, while advice required...

29 June 2018

Annual house price growth slows, says Nationwide

21 June 2018

Press Coverage

8 June 2018

Lenders still very much open for business

8 June 2018

The evolving nature of buy-to-let

25 May 2018

Press coverage

10 May 2018

Interest rates held at 0.5 per cent

4 May 2018

WHY THE CHEAPEST MORTGAGE IS NOT NECESSARILY THE...

23 April 2018

Cheap mortgage deals may disappear as lenders anticipate...

6 April 2018

Press Coverage

20 March 2018

THE PROPERTY MARKET IN CONTINENTAL EUROPE PROVING RESILIENT

12 March 2018

SPF Private Clients assists Mulbury City with funding...

12 March 2018

Mortgage rates move upwards as market factors in...

13 February 2018

Press Coverage

13 February 2018

Why now may be the time to remortgage

30 January 2018

SPF Private Clients Commercial team breaks £1 billion...

29 January 2018

Mortgage approvals at lowest level in five years,...