If you are buying a property, chances are you will need a mortgage to do so. For most of us, the mortgage is likely to be our biggest monthly outgoing so it is important to choose carefully.

With so many mortgages out there, negotiating the market and finding the right deal for your circumstances can seem daunting, even if you have bought property before. Should you opt for the security of a fixed rate or would a Bank of England Base Rate tracker provide more flexibility? Is a two-year fixed a better option than a five-year fixed? Coming up with answers to questions such as these is where SPF can help.

Our team of experienced advisers has spent many years helping clients buy their first property, move up the ladder to a bigger home, or indeed back down it by downsizing to a smaller property.

We have access to the whole of the market, as well as rates that are not available to other mortgage brokers, so you can rest assured that you will get the most competitive product for your circumstances. We manage the mortgage process on your behalf from start to completion and our ability to turn things around quickly and efficiently helps make moving home less stressful.

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.