Important Information

SPF Private Clients Limited is authorised and regulated by the Financial Conduct Authority (FCA). SPF Insurance Services, SPF Short Term Finance and SPF New Homes are trading styles of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy to let, international or commercial mortgages or taxation advice.

The FCA is the independent watchdog that regulates financial services. Our Financial Services Registration number is 189213. You can check this on the Financial Services Register by visiting or by calling 0800 111 6768.

We are authorised by the FCA to advise on and arrange regulated mortgages, investments and general insurance contracts,


Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

If you mortgage is classed as a foreign currency mortgage, changes in the exchange rate may increase the Sterling equivalent of your debt.

There will be a fee for mortgage advice. A fee of up to 1% of the loan amount is payable. For example, if we arrange a loan of £100,000 the fee could be £1,000. The exact fee charged will depend on the amount of work undertaken.

Investment business

The value of investments in unit-linked life and pensions products, ISA’s OEIC’s, unit trusts and investments trusts may fall as well as rise and you may not get back the full amount invested.

Life and pensions products are intended as long term investments as are, in general, ISA’s, OEIC’s, Unit Trusts and Investment Trusts.

The return on with profits funds depends on the profits made by the life office and on its policy as to their distribution (whether on early encashment or in adverse market conditions or other circumstances). Tax relief’s referred to are those currently applying and their value depends on the individual circumstances of the investor.

Levels and bases of, and relief’s from taxation are subject to change. Any relief’s referred to are those currently applying.

Past performance should not be taken as an indicator of future performance.

SPF’s Wealth Management team offers a complimentary initial consultation. If you then choose to take financial advice from us, we will always provide you with an estimate of the cost in advance.

Please see full our full Terms & Conditions and Privacy Policy.