SPF Short Term Finance

The Short Term Finance team at award-winning mortgage brokerage SPF Private Clients offers market-leading expertise in bridging finance. With many decades of experience across the entire team, we work with a wide range of providers of property loans and finance solutions.

We are able to secure bridging, development and self-build funding as well as other types of property finance. We pride ourselves on our approach to finding the most suitable and cost-effective products for our clients, including bespoke arrangements which cannot be achieved by approaching lenders direct. The process of achieving the right finance through us is straightforward and hassle-free and our highly experienced advisers can act quickly should tight timescales need to be met.

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    Become an Introducer

    If you would like to discuss a case, register as an introducer or learn more about what SPF Short Term Finance have to offer, simply complete the short form below and a member of our team will get in touch.


    Meet the team

    Amadeus Wilson

    Amadeus started his career at SPF in 2013 having previously worked as a successful trader with experience in Spread betting, equities, futures, Forex, dealing with professional and retail clients.

    Often quoted in the financial press, Amadeus is well respected both within the industry and amongst clients. Having a strong background in the financial markets and term debt, enables him to provide a well-rounded service and always put his client’s needs at the heart of what he does.

    Laura Toke

    Laura started her career in property finance in 2014 working for HNW brokerage, Enness Private Clients, where she quickly obtained her CeMap qualifications and began advising on bridging and commercial loans. She joined SPF Short Term Finance in 2015, attracted to their market leading reputation in the industry as a bridging broker and packager.

    At SPF Laura has advised on 100’s of transactions including auction, development finance and commercial loans. Laura is now a relationship director at SPF focusing on origination and introducer relationships. .

    Jake Manns-Benson

    Jake joined SPF in 2019 after being a successful mortgage broker at London & Country. Wanting to further his career and work within the specialist lending space, Jake embarked on a career with SPF.

    Since joining SPF Jake has been a key member of the team successfully completing many large ticket transactions and building a strong network of clients and introducers. Jake’s key strengths are commercial and development finance, and larger bridging transactions.

    Frank Clarke

    A much loved member of the SPF team, Frank started his career at SPF in 2016, when he was just 17 years old. Having worked in mortgages for 2 years and obtaining his CeMap qualifications he moved over to the short term finance team as he felt he would be well suited to the fast paced nature of bridging.

    Frank provides invaluable support to the head of desk and will look to take on an advisory role in years to come.

    Beth Banks

    Beth started in the mortgage industry in 2016 at brokerage CMG advisers, providing support to one of the senior partners. She has also worked at one of the big five accountancy firms BDO, working within the corporate international tax team.

    Beth joined SPF in 2019 as a client relationship manager, and passed her CeMap exams in 2021. She supports the brokers within the bridging team, chasing cases through to completion and liaising with clients to ensure they are kept up to date throughout the process.

    Sally Carter

    Sally started at SPF as a client relationship manager on the mortgage desk to some of the senior directors and has seen the ups and downs of the market, including the credit crunch and also help set up the Savills Chelmsford office.

    Sally is known for her excellent organizational and people skills and provides invaluable broker support. She knows the bridging industry inside out which enables her to hand hold clients through the process.

    Georgie Lanario

    Georgie has been in the bridging industry 15 years, starting as the head of Marketing and business development at a major bridging lender. She has also worked as a business development manager at packager first 4 bridging.

    Georgie joined SPF in 2015 as a business development manager within the bridging team. She progressed to key account director in 2017, and now managers the main stakeholder relationships within SPF including our estate agency partnerships.  

    Nancy Maher-Brill

    Nancy has extensive experience within the property finance industry starting out at estate agency Emoov, where she worked as a consultant for 2 years. Nancy has also worked for packager and specialist brokerage Brightstar.

    Nancy is a much loved member of the team and is a real team player always helping her colleagues when needed. She knows the specialist finance industry inside out and easily builds report with clients, she is also fully CeMap qualified.

    Jaime Harris

    Jaime started her career in banking in 2003 and joined the broker side of the mortgage industry in 2012 by initially working for a high net-worth brokerage. Following a short stint at a bridging lender, she launched a new brokerage, taking care of a large London agency and their clients.

    Relationships have always been at the core of Jaime’s roles. Joining SPF in 2018, Jaime works with private client partners such as accountants, lawyers, fiduciaries and banks and also manages SPF’s relationship with one of the biggest property agents in the UK.


    Development Finance

    A development loan is designed for those who would like to build a property either for commercial or residential purposes.


    Raising a large sum of funds at short notice lending against various forms of assets or security.

    Auction Finance

    A form a bridging finance used for buying property at auction and specifically to complete a transaction quickly

    Refurbishment Loans

    If you are looking to refurbish a property we are able to fund the build costs or cost of works, basing our lending against the end value or GDV.

    In The Press

    SPF have advised Tatiana & Tremula on c£30m of commercial loans in July 2022

    SPF have advised Tatiana Ltd & Tremula Property Investments on two commercial real estate loans in July, comprising a refinance of a 210-bed PBSA development in Nottingham and the purchase & redevelopment of 22 houses and a parcel of land in Wilton Park, Beaconsfield.

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    SPF & Acorn Property Group complete Circa £10m of loans in a week

    Working with Acorn Property Group, SPF have completed on over £10m worth of loans in just under a week.

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    Last-gasp rescue by SPF Short Term Finance and West One saves £4m shopping centre deal from collapse

    SPF Short Term Finance has come to the rescue of an investor purchasing a £4 million shopping centre when his lender pulled its offer post-exchange of contracts. The borrower had just two weeks left in which to complete the deal or risk losing his deposit.

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    Saved an auction Purchase

    SPF Short Term Finance and Together have completed a £430,000 bridging loan to rescue an auction purchaser who was let down at the last minute by another broker.

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    £3.5M Regulated Loan for Ground Up Development

    Our client had purchased a house in Cheshire that he wished to redevelop, significantly increase the value of the property which he intended to move into.
    Works included converting the property back to a single dwelling from flats, a single story extension, and build of a new dwelling separate to the main house.

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    £5.465M Bridging Loan To Fund 100% of Purchase price for mixed use site In Dalston

    Our client an experienced investor and developer with a portfolio in east London, approached SPF for a net loan of £5M to purchase a mixed use development in Dalston and raise funds for the development of the site. They required 100% of purchase price, and 100% of development costs, using a building with planning for a hotel as additional security.

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    The client was a developer and needed finance to purchase land, but was let down by another lender just days before the deal was due to complete.

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    Auction Purchase £1.1M

    SPF Short Term Finance worked closely with Funding 365 to secure auction finance within 2 weeks and the loan was arranged at a highly competitive rate of 0.59% per month.

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    A maximum fee of 1% of the loan amount is payable – for example on a mortgage of £100,000 the fee would be £1,000 the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is £150,000 or below the maximum fee we charge is £1,995

    SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).