There are so many mortgage products on the market that finding the right one for your circumstances can seem a difficult task. And with your mortgage likely to be your biggest outgoing, if you choose the wrong one, it can cost you dearly.

Should you opt for a fixed-rate mortgage and, if so, how long should you fix for? Should you opt for a Bank of England base rate tracker instead and if so, what happens if interest rates rise further? And what about incentives some lenders are offering, such as cashback or free valuations or fee-free deals? SPF’s expert team of advisers can answer all of these questions and many more.

We are here to hold your hand and guide you through the process of buying your first home. As a whole-of-market mortgage brokerage we have access to all of the lenders out there. We can also access exclusive rates that are not available from other brokers. This means you can rest assured that we will find the most suitable and cost-effective mortgage for you.

We even have a dedicated New Homes team who can help you if you are buying a new-build property, even if the property is not due to complete for several months.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

We may charge a fee for the advice we provide; this fee will be dependent upon your personal circumstances and will be agreed with you after we have fully understood your requirements. Any fee is usually payable upon successful completion of your mortgage.