Private Office

Servicing the property finance needs of wealthy
individuals and their families from around the globe


Since 1997 we have been servicing the property finance needs of wealthy individuals and their families from around the globe.

The SPF Private Office was established to reflect our expertise in this area and our commitment to providing exceptional service to our high-net-worth clients and their advisers. As brokers we work with our clients and their advisers to find the very best solutions to potentially complex scenarios.

We have built a strong reputation for providing best advice across a wide range of lending scenarios and have access to a huge network of property professionals, lawyers and tax advisers.

Our advisers in the Private Office, all experts in their field, welcome you with the utmost of professionalism and discretion, acting as a gateway to SPF’s diverse lending, insurance and wealth divisions.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt.

We may charge a fee. The exact amount will depend on the amount of work undertaken. We also get commission from the lender.


We understand that our clients require a different level of service. SPF Private Office provides a single point of contact for wealthy clients and their advisers, giving them access to our unparalleled knowledge and connections.

The way in which we deliver our service is tailored to each individual’s requirements. In some cases, a client may want us to deal with them directly, or in other circumstances, it may be we are involved with their Family Office or wealth manager. SPF Private Office is here to be part of the team, however that may be structured.

Our highly-experienced team are adept at dealing with UK and international clients, covering several languages, including French, Spanish, Russian, Greek and Mandarin.

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private office

team members

Mike Boles
Head of Private Office
Mike joined SPF in 1997 as part of the original launch team, overseeing various aspects of the business. Mike’s area of expertise lies in arranging large and complex residential mortgage deals. He is also responsible for developing and maintaining relationships with the private and offshore banks that service the high-net-worth market.
Sarah Kelly
Prime Residential
Sarah joined SPF in 2018 to focus on high-value mortgage broking, having previously been a private banker for over a decade. Her first-hand experience at working within a private bank is invaluable to the team. Sarah has an extensive network of contacts, built on her strong reputation in this field.
Simon Ward
Residential and Commercial
Simon is involved in a wide range of high-value transactions for a broad spectrum of clients across all sectors. Key specialisms include commercial development and large-scale residential development.
Russell Jones
Prime Residential
Russell quickly established himself in the high-value mortgage market, having joined SPF in 2000. Russell specialises in the prime residential London market and has a wealth of knowledge and experience in this sector. He is one of SPF’s top performing residential mortgage advisers.
David Yeadon
Real Estate Debt Advisory
Residential and Commercial
David started his career in commercial mortgages in 1986 and has been with SPF since 2001. David is renowned in the industry for the high-value commercial transactions he arranges. These transactions are arranged on behalf of a broad spectrum of clients from across all sectors.

Rob May TEP

Life Insurance and Inheritance Tax Planning

Rob is a leading international life insurance adviser and Trust and Estate Practitioner (TEP). He acts for high-net-worth individuals, businesses, and trustees, with expertise in large and complex risks. His in-depth knowledge of the life insurance market combined with his experience in wealth and estate planning, enables him to take a unique and holistic approach to advising his clients. 

Miranda John
International Property
With a career in international mortgages spanning 30 years, Miranda has built strong, trusted relationships with private banks and overseas lenders. Miranda provides an exclusive service tailored to the requirements of high-net-worth individuals to secure the best available terms. Law firms, tax specialists, property agents and banks regularly refer their clients to her.
Michael Lord
Farms and Estates
With an agricultural and banking background, Michael’s area of expertise lies in arranging finance for farms, rural businesses and landed estates, having previously worked for a leading agricultural lender for 14 years. Skilled in lending, business management and sustainable agriculture, Michael is also a managing partner of an arable farming and contracting business in the Cotswolds.
Neil Wood
Property Insurance
Neil joined SPF in 2012 and holds over 15 years’ experience in the high-net-worth insurance sector. Neil has a vast understanding of the market and has built a strong reputation for delivering a first class service to his clients. Neil adopts a hand holding approach from start to finish, which becomes evidently more beneficial at the point of a claim.

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With high demand for a limited supply of prime residential real estate, competition for properties is strong. Our job is to ensure that our clients are positioned in the best possible way to successfully ‘win’ the property by controlling the mortgage process. We have access to the whole of the market as well as bespoke and preferential terms.


Financing a farm or country estate can be more complex than a standard residential mortgage. We work with lenders who take a long-term view on the plans for the property, land usage and succession planning so that solutions are fit for purpose both now and in the future.
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luxury country house


SPF is one of the few UK mortgage brokerages to have an international mortgage desk, dedicated to advising clients buying abroad. The process of buying international real estate varies from country to country and dealing with overseas banks and agents, particularly if there is a language barrier, is demanding and time-consuming.


Our Real Estate – Debt Advisory team has an exceptional track record in arranging funding across a wide range of commercial property sectors, including residential, retail, office, leisure and industrial.


Accessing significant lending facilities and having substantial levels of wealth exposes clients to financial, legal and tax risks that are often overlooked by other brokers. At SPF, we recognise the need to provide a holistic service to our clients, and ensure that their families, their estates and their businesses are not left exposed when an unexpected or untimely death occurs.
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front door


Affluent clients tend to require a finer focus towards their insurance needs. This is often due to the complexity of their lifestyle, having unusual assets to protect, or even the demand for a superior service.

At SPF, we work exclusively with a select panel of insurance companies based upon their solid reputations, innovative philosophy to deal with claims and market leading coverage. Each risk is unique and therefore, the solutions are bespoke to the individual.


Whatever your enquiry, we will endeavour to be of assistance to you. Please feel free to call us or complete our enquiry form below.


say about us

12 June 2022
Yet again we found SPF to be professional and caring. The level of service they provide is to the highest standard delivered with flexibility to suit our mortgage needs both immediately and with consideration to the longer term future.
Mr D.
12 July 2021
We’ve used SPF for a series of mortgage transactions over the last 9 years, and they have been top notch in terms of finding the right product and working tirelessly to get everything pulled together successfully. I highly recommend them and they are very good value for money in the mortgage process.
Mr. Graham
06 November 2020
Outstanding service from SPF on a home owner mortgage. As a self-employed business owner there were limited options available for us, however SPF secured us a mortgage from a leading high street bank at a great rate. The team were very responsive, answered all our questions and the mortgage offer came through very quickly. Great service all around and I would highly recommend.
Mr. S
26 July 2021
Excellent service. Very efficient and provide lots of good advice and options to allow you to make an informed decision. Always there to make the process as easy as possible. Have used them for many years now and will continue to do so for many more.
Mr. Gregory
29 March 2021
The whole process was made so much easier by using SPF. I was always up to date with how my mortgage application was progressing and had full access to the team as and when required to ask questions or clarify the position with my solicitor. I will certainly use SPF in the future and fully recommend them to others.
Mrs. Moore
06 April 2020
They are excellent. Given I live overseas they really took care of my mortgage and responded immediately, even with the crazy time difference. I found their advice impeccable and the team was always proactive and on the ball. I wouldn’t go with anyone else for a mortgage.
Mrs. Phillips