Important Information

SPF New Homes is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy to let, international or commercial mortgages.

The FCA is the independent watchdog that regulates financial services. Our Financial Services Registration number is 189213. You can check this on the Financial Services Register by visiting or by calling 0800 111 6768.

We are authorised by the FCA to advise on and arrange regulated mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.urr

If you mortgage is classed as a foreign cency mortgage, changes in the exchange rate may increase the Sterling equivalent of your debt.

Your role

You agree to use this site in accordance with the laws and regulations existing in the UK and acknowledge that this site is designed for use by persons in the United Kingdom only. Accordingly you agree that the information does not constitute a solicitation to you if you are outside the United Kingdom.
Copyright and trade marks

The copyright in this website belongs to SPF Private Clients. You may not make a permanent copy of or reproduce this website in any form. You may not reproduce or incorporate this website into any other website. You may only print, display or download temporary copies of the content to your computer for your own personal non-commercial use. You may not link to this site or frame it without the express consent of SPF Private Clients.

SPF Private Clients and the SPF Private Clients logos are trade marks registered in the name of SPF Private Clients Ltd in the UK and other parts of the world. Reproduction of these trade marks other than in order to view this website is prohibited.

This website contains links to third party websites over which SPF Private Clients has no control. SPF Private Clients assumes no responsibility for the content of third party web sites or for any losses which may arise out of the use of a third party website. The presence of a link to a third party does not necessarily mean that SPF Private Clients endorses that site or has any association with the proprietor of that website.

Privacy policy

SPF Private Clients Limited is committed to ensuring that your privacy is protected. The Privacy Policy explains how we use the information we collect about you, how you can instruct us if you prefer to limit the use of that information and procedures that we have in place to safeguard your privacy.
The Privacy Policy can be accessed here.


Whilst reasonable care is taken to ensure that the information contained on this website is accurate, we cannot guarantee it’s accuracy and we reserve the right to change the information on this website (including these terms and conditions) at any time without notice. You must check these Terms and Conditions for changes each time you intend to use this website.

SPF Private Clients provides this website on an “as is” basis and makes no representations or warranties of any kind with respect to this website or the content contained on it (including any text, graphics, advertisements, links or other item) and disclaims all such representations and warranties. In addition, neither we nor any other contributor to this website make any representation or gives any warranty, condition, undertaking or term either express or implied as to the condition, quality, performance, accuracy, suitability, fitness for purpose, completeness, or freedom from viruses of the content contained on this website or that such content will be accurate, up to date, uninterrupted or error free.


You acknowledge that you are solely responsible for the use to which you put this website and all the results and information you obtain from it and that all warranties, conditions, undertakings, representations and terms whether expressed or implied, statutory or otherwise are hereby excluded to the fullest extent permitted by law.

Save in respect of liability for death or personal injury arising out of negligence or for fraudulent misrepresentation, we and all contributors to the website hereby disclaim to the fullest extent permitted by law all liability for any loss or damage including any consequential or indirect loss or damage incurred by you, whether arising in tort, contract or otherwise, and arising out of or in relation to or in connection with your access to or use of or inability to use this website.

Interruptions and omissions

Whilst we take every care to ensure that the standard of this website remains high to maintain the continuity of it, the Internet is not always a stable medium, and errors, omissions, interruptions of services and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate this website (or any particular part of it).


We reserve the right to deny users access to the Site or any part of the Site without notice and to decline to provide the service to any user that is in breach of these terms and conditions of use.

Force majeure

We shall not be liable to you for any breach of these terms and conditions of use or any failure to provide or delay in providing our services through the Site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire, explosion or accident.

Applicable law and jurisdiction

These terms, disclaimers and exclusions shall be governed and construed in accordance with English Law and any disputes arising in relation to these disclaimers and exclusions, or your use of the SPF Private Clients site, shall fall within the exclusive jurisdiction of the English courts.

If any part of our Terms and Conditions is unenforceable (including any provision in which we exclude our liability to you) the enforceability of any other part of these conditions will not be affected.

Important information on SPF Private Clients

We are required to verify the identity of individuals or companies in accordance with the Proceeds of Crime Act 2002 and the Money Laundering Regulations. No transaction will be able to complete until such verification has been obtained. We may use electronic identity verification systems similar to those used for credit checks and we may conduct these checks from time to time throughout our relationship, not just at the beginning.
We cannot be held responsible if you are refused a mortgage by a particular lender or only granted one subject to conditions that you find unacceptable. We also cannot be held responsible for any insurance which is declined or has additional exclusions or endorsements applied that you find unacceptable.
As part of the mortgage application process, information provided by you may be passed to credit reference agencies.

Cookie Policy​

A cookie is a small file, typically of letters and numbers, downloaded on to your device when you access certain websites. Cookies are useful because they allow a website to recognise your device. We use cookies to help us deliver you a good user experience on our website.

Some of our cookies are from third parties we use to provide our services to you. Below we set out how and why the cookies are used.

More information about cookies can be found here:

You can adjust your web browsers settings regarding cookies but this may effect your experience of using our website.

The following cookies are included within our website:

Functionality or Essential Cookies

These are essential to the use of our website, if these are not installed our website will not work properly.

Analytical Cookies

These are used to provide statistical analysis and help us improve our website and services to you.

Privacy policy

SPF Private Clients Limited is committed to ensuring that your privacy is protected. The Privacy Policy explains how we use the information we collect about you, how you can instruct us if you prefer to limit the use of that information and procedures that we have in place to safeguard your privacy.
The Privacy Policy can be accessed here.