Mortgage Adviser Luton
- Over 25 years experience providing expert mortgage advice to our clients
- Range of expertise from Residential, Buy-to-Let and Specialist mortgages
- Our teams provide a premium, personalised and transparent service to all our clients
Our Mortgage Services in Luton
Our Luton mortgage advisers help you navigate the property market with confidence. At SPF Private Clients, we understand that every client’s circumstances are different, so we find mortgage solutions tailored to you. From period homes near Wardown Park to modern apartments by the town centre, we’ve helped clients at every stage of their property journey, whether buying their first home or expanding an investment portfolio.
We off advice across a wide range of residential mortgage products, from helping first-time buyers get on to the property ladder to assisting clients with their remortgage requirements or when moving home.
Our expert team provides a comprehensive service for landlords of all kinds, from those with one or two properties right up to 150+ property portfolios spanning residential, commercial and mixed use.
Whether you are over 55, an expat, looking to start a self-build project or considering buying abroad we can help. We have experts across a wide range of specialist mortgage types who can advise you on the best approach.
If you are looking for bridging, auction or refurbishment finance our expert short-term finance team can help guide you through the different options and lenders to find the most cost-effective finance.
Why Use a Mortgage Broker?
It is predicted that 89% of all mortgages in 2025 will be organised via an adviser or broker (source IMLA). Working with a independent, whole of market mortgage adviser can save you a great deal of time, stress and money, and you’ll gain invaluable advice throughout the process, and even post-completion. They’ll look to secure you the best deal, and can often access lenders, rates and financing that is not available to the general public.

Useful Links
Our People
We have over 50 mortgage advisers backed by an extensive support team. Our experts have extensive experience in their specialist areas, and pride themselves on the service they offer our clients.
Calculators
Our mortgage calculators are a handy way of exploring your options. These tools lets you explore different scenarios, timeframes, costs and potential savings, including stamp duty and overpayment.
Mortgage Rates
See the best mortgage rates available today. Our online mortgage rate finder lets you search and compare available mortgage deals, and see what your interest rates and monthly repayments could be.
Other Services
We are a national brokerage employing over 200 people, with multiple office locations across the UK and teams based internationally. In addition the helping you with your mortgage requirements our diverse expert teams also offer a trusted service across insurance & protection, commercial finance and financial planning.
In 2022, we became part of the global Howden Group, the UK’s fifth-largest employee-owned business and one of the world’s leading insurance groups. That means our clients benefit from the personal service of a boutique broker, backed by the strength and resources of a global organisation.
Speak to a Luton Mortgage Expert
Let’s work together to figure out your needs. We prioritise communication, working closely alongside you until we find the best mortgage product to suit your circumstances. Our trusted and reliable team have helped many clients along the way. For expert mortgage advice and ongoing support, send us your enquiry using the form and one of our team will be in contact.