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Residential Mortgages

Independent Mortgage Broker

For many people a residential mortgage will be their biggest purchase and ongoing monthly expense, so finding and securing the right one is essential. By using an experienced independent mortgage broker like SPF, the whole process becomes much easier – and you could save considerable time, stress and money.

Our first step is to make sure you get the right mortgage for you. You likely already know that there’s a massive amount of choice out there. But there are many mortgages, and mortgage rates, you simply won’t find on comparison sites, or even via your high-street banks – they can only be accessed by a whole-of-market mortgage broker.

Our advisers cover all kinds of residential mortgages, from first-time buyers and remortgages through to £1m+ mortgages for Hight-Net Worth individuals. We also assist with a wide range of specialist mortgages and situations, such as complex, irregular or self-employed incomes.

But finding the mortgage or finance that’s right for you is just part of the service we provide. We’ll make sure you’re in the best position to get an offer, and the best deal as well. And we’ll manage the whole process, from application through to completion. So you’ll quickly get certainty and peace of mind.

How can we do all this? In the first place, we have over 25 years’ experience, which means that we’ve developed excellent relationships with all kinds of mortgage lenders. Our team of advisers is also backed by dedicated customer relationship managers and other support staff, which is why our service is so comprehensive.

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 broker 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.

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