SPF Private Clients

Name

SPF Private Clients

Legal name

SPF Private Clients Limited

Website

https://spf.co.uk/

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Mortgage Brokerage and Financial Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Loan Brokers (6163), Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Family Office Advisory (Single/Multi-Family) (FSAEAAAI)

akta.pro secondary industries

Family Office Services (Single & Multi-Family Office) (FSABADAF), Offshore & International Private Banking (FSAAABAB), Affluent / Mass-Affluent Private Banking (FSABADAC)

Keywords

• Mortgage brokerage services
• Financial advisory services
• Wealth management planning
• Commercial finance advisory
• Insurance brokerage

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Advisory and Arrangement Fees: May charge a fee for advice provided on residential mortgages, buy-to-let, lifetime mortgages, and bridging finance. Fee is dependent on personal circumstances and agreed with client before engagement. Fee is payable upon successful completion of transaction.
2. Commission from Lenders and Insurers: Typically receives commission from lenders and insurers upon successful completion of mortgage or insurance products arranged through the firm.
3. Commercial Finance Commission: For commercial/business finance and asset finance, typically receives commission from the lender that varies depending on lender, product, or other permissible factors. Commission model confirmed before proceeding.
4. Financial Planning Services: Wealth Management team offers complimentary initial consultation. If client proceeds with financial advice, cost estimate provided in advance.
5. Legal Indemnity Insurance Fees: For Legal Indemnity policies, may charge a broker fee depending on premium. Where single/annual premium falls below £50, broker fee equals difference between £50 and premium, not exceeding 100% of premium.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

SPF Private Clients is a whole-of-market mortgage and financial services broker providing expert advice across residential, buy-to-let, specialist, short-term, and commercial mortgages, alongside private client insurance, financial protection, and financial planning services. The firm primarily serves high-net-worth individuals, property investors, expats, later-life borrowers, and SME owners with bespoke advice delivered through direct adviser consultations.

Product overview

SPF Private Clients is a whole-of-market mortgage and financial services broker offering a comprehensive suite of products across residential mortgages (including specialist products for high-net-worth, expats, and later life lending), buy-to-let mortgages, commercial mortgages, bridging and short-term finance, insurance and protection products, and financial planning services including retirement strategies, investment planning, and inheritance tax planning. The company operates as part of Howden Group and provides employee benefits services for corporate clients. The product portfolio is supported by online calculators, educational video content through a Money Alive partnership, and a library of downloadable guides. SPF positions itself as an award-winning intermediary with over 25 years of experience providing premium, personalized services.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Mortgage advisory and brokerage for property purchase, remortgaging, high-net-worth clients, large mortgages, first-time buyers, new builds, and international buyers; whole-of-market access to lender products.
• Buy-to-Let Mortgages Specialist mortgage services for landlords including buy-to-let purchase, remortgage, and portfolio landlord solutions for tax-efficient property investment structures.
• Later Life Lending Mortgage solutions for retirees and older borrowers including lifetime mortgages and equity release products to support retirement income planning.
• Expat Mortgages Specialist mortgage services for British workers living abroad who want to purchase or refinance property in the UK.
• Self-Build Mortgages Finance solutions for individuals building their own homes, with bespoke lending criteria tailored to staged self-build project funding requirements.
• International Mortgages Mortgage advisory for non-UK residents purchasing property in the UK market, addressing cross-border income and residency complexities.
• Bridging Finance Short-term finance solutions for property transactions requiring rapid completion, including auction finance and refurbishment finance.
• Commercial Mortgages and Business Finance Finance solutions for commercial property purchases and business finance for SME owners, including commercial real estate finance, business loans, and asset finance.
• Private Client Insurance Comprehensive insurance coverage including buildings, contents, landlords, listed properties, renovation, high value motor, and jewellery and fine art insurance for high-net-worth individuals.
• Financial Protection Life insurance, critical illness, and income protection products delivered across personal, business, and group protection categories.
• Legal Indemnity Insurance Legal indemnity insurance policies arranged for property transactions, with broker fees structured as a capped percentage of premium.
• Retirement Strategies Pension and retirement planning advice including drawdown options and annuity selection delivered by independent financial advisers.
• Investment Planning Portfolio management and investment advisory services including ISA allocations and diversified investment strategies for individuals.
• Inheritance Tax Planning Estate planning services including life insurance solutions designed to address inheritance tax liability and ensure estate liquidity for beneficiaries.
• Employee Benefits Mortgage advice services delivered to corporate HR and Employee Benefits teams to provide staff with financial advisory services as part of benefits packages.

Quantifiable outcome

• Gross mortgage completions of £3.9 billion in 2022
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Partnerships

One partnership is on record.

• Money AliveminorStrategic or Co-development PartnerPartnership providing free access to interactive, impartial educational video content covering financial topics including business protection, equity release, pension freedoms, wills, lasting power of attorney, and investment risk.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Emerging players

• Kensington Mortgages: UK specialist lender focused on self-employed, contractor and complex-income residential mortgages. Competes with SPF for the specialist/affluent borrower segment but as a lender rather than a broker.
• Habito: UK digital-first mortgage broker and lender using technology to streamline adviser-led advice. Competes with SPF on residential mortgage origination but with a digital-native model that contrasts with SPF's traditional advisor approach.
• Trussle: Online mortgage broker targeting UK consumers with a hybrid digital-plus-adviser proposition. Partial overlap with SPF on residential purchase and remortgage flows.

Broad incumbents

• Coutts: UK private bank serving HNW and UHNW clients with bespoke mortgages, banking and wealth services. Comparable target customer (HNW) and product overlap (large mortgages, complex lending) to SPF.
• Quilter: UK wealth manager offering investment platforms, financial planning and advice to mass-affluent and HNW clients. Comparable on the financial-planning/wealth-management side of SPF's offering.
• St. James's Place: Large UK wealth management group providing investment, pension and wealth advisory services to affluent and HNW clients. Overlaps with SPF's financial planning arm and HNW customer base but at vastly greater scale.

Direct peers

• Alexander Hall: London-based whole-of-market mortgage broker with strong HNW, expat and prime central London focus. Highly comparable to SPF on customer profile, product mix and fee-based advisory model.
• John Charcol: Long-established London-based whole-of-market broker specialising in complex, high-value and non-standard mortgage cases. Closely comparable to SPF's specialist HNW and complex-case positioning.
• Mortgage Advice Bureau: UK network of mortgage advisers offering whole-of-market mortgage and protection advice. Comparable GTM (adviser-led, introducer network) and product set, though broader mass-market reach than SPF.
• London & Country Mortgages: UK whole-of-market mortgage broker with a similar adviser-led model focused on residential, BTL and remortgage customers. Directly comparable in product mix and fee/commission revenue model to SPF Private Clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/spfprivclients
• Facebookfacebook.com/spfprivateclients
• LinkedInlinkedin.com/company/spf-private-clients
• Instagraminstagram.com/spfprivateclients

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SPF Private Clients