1.24% Initial Rate
3.99% Subsequent Rate
£999 Arrangement Fee
* The overall cost for comparison
1.73% Initial Rate
4.50% Subsequent Rate
£1995 Arrangement Fee
* The overall cost for comparison
Market comment

Mark Harris
Chief Executive

10 November 2015

Bank of England signals no rate rise until 2017

Interest rates may not rise until 2017, according to the Bank of England’s quarterly inflation report. The Bank commented that even if base rate did not rise until early 2017, consumer price index (CPI) inflation would barely rise above its 2 per cent target – so it was in no hurry to raise the cost of borrowing.

Welcome to SPF Private Clients

Whether you are looking for residential, investment, commercial or international property finance, insurance or financial planning you have come to the right place. We are a leading UK financial services intermediary offering independent advice to help you make the right choices for your circumstances.

Specialising at the top-end of the market, we are able to finance and insure any property type anywhere in the world. We can also arrange cover to protect you or your family from unforeseen circumstances.


Whether you are buying your own home or an investment property, most people need a mortgage to do so.

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Overseas Mortgages

Buying property abroad is becoming increasingly popular. But if you need a mortgage it can get complicated.

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Commercial Mortgages

We arrange commercial finance across a range of sectors, including: hotels, residential, care homes, agricultural and retail property.

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Financial Planning

Financial planning can be a complicated area. Independent advice that is whole-of-market is crucial.

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Tel +44 (0) 870 900 7762

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Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances and loan amount, we estimate that the fee will be 0.67% of the amount borrowed. SPF Private Clients Limited is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy-to-let or commercial mortgages or taxation advice. Approved and issued by SPF Private Clients Limited, 25 Finsbury Circus, London EC2M 7EE. Date Issued April 2013.

Registered in England No. 3680970. Registered Office: 25 Finsbury Circus, London, EC2M 7EE