A Q&A session with Paul Mavin, Director at mortgage broker SPF Private Clients
What makes SPF the right choice for WINKWORTH clients? For most of us, the mortgage is our biggest monthly outgoing so it’s important to get the right one for you. At the end of the day, nobody wants to be paying more than they need to on their mortgage. Our mortgage brokers know which lenders to approach in order to find the most suitable and cost-effective mortgage for you. We also take care of the mortgage application process for you, managing the whole transaction from start to completion. Our ability to turn things around quickly helps sales progress smoothly and efficiently. No matter how complex or unusual your situation, or what type of property you are looking to buy, we can help make your property dreams become a reality. At what point along the property hunting journey should property hunters get in touch with you? I always say that the best time to speak with a mortgage broker is before you start your property search. We can provide you with a clear picture of how much you can borrow by looking at your credit score, income and reviewing your existing debts. This allows you to set a budget and set realistic expectations of what value property you can afford. We will then approach lenders on your behalf to obtain a Decision in Principle, which will put you in good stead when the time comes to putting in an offer. What’s the best thing about your job? There is no better feeling than when a client comes along with what they think is an unrealistic goal, but then you’re able to achieve a fantastic outcome for them. Someone who doesn’t think they can get a mortgage on their dream home but you manage to not only find a lender who is happy to lend but on a market-leading rate too. Helping first-time buyers onto the property ladder also gives a great sense of job satisfaction.
Tell us a little about the background of SPF Private Clients (SPF) SPF was established in London in 1997 and is recognised as one of the UK’s leading whole- of-market mortgage brokers. Our clients range from first-time buyers right through to successful property developers. We are experts in funding for high value property and complex scenarios and have access to a wide range of mortgage options, including exclusive rates and bespoke arrangements. We have well-established relationships with the lenders and Private Banks, giving us access to the key decision makers. We pride ourselves on providing an all-round professional and personal service. Although property finance is at the core of our business, we also take care of our clients’ wealth management, financial protection and property insurance requirements. We continue on our journey of growth and diversification and in August 2022 became part of Howden. We employ over 230 people, with offices in ten locations across the UK, Channel Islands, Hong Kong and Singapore.
www.spf.co.uk
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