SPF Private Clients

Company Profile

Established in 1997 and now proudly part of the Howden Group since 2022, SPF Private Clients has built a legacy of excellence in high-net-worth and ultra-high-net-worth mortgage and financial planning advice. With over 28 years of experience, we’ve become experts in our field and continue to attract individuals from across the globe.

Our client base is as diverse as it is distinguished. From first-time buyers taking their first steps on to the property ladder to seasoned portfolio landlords and overseas investors navigating complex cross-border transactions, we offer tailored solutions that reflect each client’s unique financial needs. Every case is handled with care, insight and a deep understanding of the luxury property market.

Where we truly stand apart is in our expertise with large mortgages and complex scenarios. Many of the mortgages we arrange run into the millions, and our advisers are adept at structuring bespoke arrangements that meet the specific needs of high-net-worth individuals. Whether it’s non-standard income, international assets or intricate financial planning, we deliver solutions where others may fall short.

Our Prime Residential service is designed for those acquiring or refinancing luxury homes. We work with private banks, specialist lenders and high-street institutions to secure preferential rates and terms that reflect the scale and sophistication of the transaction. These are not ‘off-the-shelf products’; they are carefully negotiated arrangements that align with our clients’ broader wealth strategies and future needs.

For those building or expanding rental portfolios, our Buy-to-Let offering provides strategic guidance and access to competitive finance options. We support landlords with tailored advice, helping them maximise returns and navigate regulatory complexities with ease. Whether it’s a single investment property or a multi-unit portfolio, our team ensures every decision is informed and future-proofed.

International buyers continue to choose SPF Private Clients for our deep understanding of cross-border finance. With clients based around the world, we are well-versed in the challenges and opportunities that come with purchasing UK property from overseas. Our advisers work closely with international clients to secure high-value mortgages that align with their global financial goals, offering clarity and confidence throughout the process. Our reach is global, and our presence is growing. With teams on the ground in Dubai, Singapore and Hong Kong, SPF Private Clients is expanding to meet the needs of an international clientele. These locations serve as strategic hubs, allowing us to offer local insight with global expertise, ensuring seamless service across borders and time zones.

We understand that property finance often intersects with broader wealth planning. That’s why we collaborate with clients to ensure mortgage arrangements support long-term objectives, including inheritance tax planning. By structuring lending in ways that preserve wealth and optimises financials, we help our clients protect what matters most.

From London to the world, SPF Private Clients is proud to be the trusted partner behind some of the most prestigious and intricate property transactions. Our legacy is built on delivering results, and our future is shaped by the clients who continue to place their trust in us.