Terms & Conditions

It is very important that you read these terms and conditions before using this site. It will help to make our role clear to you. By using the site you agree to the terms and conditions set out below and in our Privacy Policy.

Who are we?

SPF Private Clients (CI) Limited of The Financial Suite, The Maze, Berthelot Street, St Peter Port, Guernsey, GY1 1JT (Registered in Guernsey No 44610 at the same address). We have a range of bespoke, market lending products that we have specially arranged with a number of lenders.

We are not a lender and do not act on behalf of any lender in providing mortgage information. The lender’s terms will apply to any application you make through us.

What do we cost?

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and loan amount, we will confirm the amount prior to any advice being given. SPF Private Clients (CI) Limited will receive commission from the lender for introducing the business, this will be confirmed in the lender’s offer letter.

SPF Private Clients (CI) Limited is licensed by the Guernsey Financial Services Commission to provide advice on insurance products and collective investment schemes. The Guernsey Financial Services Commission does not currently regulate mortgage advice, however from 1 July 2023, this will become a regulated activity.

Our role

We are able to act as mortgage advisers and insurance brokers.

If we are providing advice or any information, we aim to ensure that the data provided is accurate and current and we update the site on a regular basis. However, most of the information is provided by third parties, principally lenders, insurance companies and investment providers and while we continue to make reasonable efforts to verify it, we cannot guarantee either the accuracy or the timeliness of such information and give no warranty of any kind, expressed or implied.

As a result we make no representation or warranty about the accuracy, completeness or suitability for any purpose of the information and related graphics published on this site. This site may contain technical and factual inaccuracies, misrepresentations, omissions or typographical errors. Any liability we may have for such content however arising is expressly excluded to the fullest extent permitted by law.

Your role

You agree to use this site in accordance with the laws and regulations existing at the time. Accordingly you agree that the information does not constitute a solicitation to you if you are outside the United Kingdom, Channel Islands or the Isle of Man.

Copyright and trade marks

The copyright in this website belongs to SPF Private Clients (CI) Limited. 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 CI Limited.
SPF Private Clients and the SPF Private Clients logo are trade marks registered in the name of SPF Private Clients in the UK and other parts of the world. Reproduction of these trade marks other than in order to view this website is prohibited.

Links

This website contains links to third party websites over which we have no control. SPF Private Clients CI Limited 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 CI Limited endorses that site or has any association with the proprietor of that website.

Privacy policy

SPF Private Clients (CI) Limited are committed to ensuring that your privacy is protected. Our 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.

Disclaimer

Whilst reasonable care is taken to ensure that the information contained on this website is accurate, we cannot guarantee its 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.

In addition, neither we nor any other contributor to this website make any representation or gives any warranty, condition, undertaking or term either expressed 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.

Nothing on this website shall be regarded or taken as financial advice.

Indemnity

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).

Access

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 Guernsey Law and any disputes arising in relation to these disclaimers and exclusions, or your use of the SPF Private Clients CI Limited website, shall fall within the exclusive jurisdiction of the Guernsey courts.

Invalidity

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 CI Limited

We are required to verify the identity of individuals in accordance with the Criminal Justice (Proceeds of Crime) (Bailiwick of Guernsey) Regulations, 2002 and the Money Laundering Regulations and no completion on a mortgage or other business will take place until such verification has been obtained.
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.

As part of the mortgage application process, information provided by you may be passed to credit reference agencies.

SPF Private Clients CI Limited aims to provide you with the best service possible. If a problem arises, we have an internal procedure to investigate and resolve complaints quickly and fairly. In such circumstances, please write to:

The Compliance Officer, SPF Private Clients CI Limited, The Financial Suite, The Maze, Berthelot Street, St Peter Port, Guernsey GY1 1JT

If your complaint remains unresolved, complaints can be referred to the Channel Islands Financial Ombudsman (CIFO), PO Box 114, Jersey, Channel Islands, JE4 9QG.

Testimonials

"I can't thank SPF enough for all of their help whilst trying to obtain my first mortgage. Doing it alone was difficult but Pierre was as determined to help as I was determined to succeed! I can't say I was an easy customer but nothing was any bother for anyone from the ladies in the reception area right through to Pierre who was there every step of the way helping to provide information where needed, explaining things I didn't quite understand and checking in to make sure the process was going as it should be. Their service and friendly atmosphere is amazing and I would definitely recommend SPF to anyone! Thanks so much again - from one very happy homeowner."

Jemma De Carteret - SPF CLIENT

"SPF Private Clients provide excellent service. We only have a few more years left on our mortgage and Jez helped us tremendously choosing a new mortgage provider and saved us quite a large amount each month. Would recommend them to anyone."

Ali Mechem - SPF CLIENT

"I have worked with SPF for many years. I find them professional, conscientious and above all dependable - especially in the regulated world we live in! Their range of products is unparalleled , their market knowledge is equally unrivalled and combine this with their collective experience and you’ll find it difficult to obtain better financial advice."

Phillip Le Cheminant - SPF CLIENT

"I use SPF in both a personal and professional capacity and have always found them to be both friendly and professional on all occasions. From the moment you are greeted at reception the team at SPF are nothing but helpful and proactive. They have always exceeded my expectations with what they offer and how they conduct themselves. I have no hesitation in recommending SPF to clients and/or friends and will continue to do so as the services offered and the wealth of knowledge within the team is second to none!"

Paul O’Neill - SPF CLIENT

"SPF (Jez) have sorted two mortgages for us and on both occasions were highly professional, helpful and efficient. We will definitely use them again!"

Gareth David Kinsey - SPF CLIENT

"I have used SPF on a number of occasions. They make everything easy to understand and work out what is best for you - a great company to deal with. Just a note, they have one dodgy five-aside player in Pierre."

Paul Langmead - SPF CLIENT

"My partner and I would highly recommend Jez at SPF. As first time buyers, and having two properties fall through, he has been very helpful and consistent throughout each process. With excellent service, we will definitely be using them in the future!"

Jairus Cassell - SPF CLIENT

"Thank you Jez and team for helping us choose the mortgage product right for us and for providing invaluable advice whenever we needed throughout the process. We will be recommending your services to others!"

Adam Norman - SPF CLIENT

"Working with Pierre has been an excellent experience, he has been very flexible fitting us in for appointments with very short notice and providing us with all the information needed. I would highly recommend using SPF."

Chloe Kemp - SPF CLIENT

"Great service and excellent advice. SPF are really helpful and understanding. Thank you so much."

Clare Louise Arnold - SPF CLIENT

"Used SPF for a variety of my needs and they are very professional and always got me great value for money happy to recommend them."

Rob Shipman - SPF CLIENT

"We first used SPF 3 years ago for our first house purchase, Jez and the team were incredibly thorough and helpful and made the whole process really enjoyable. You get a real sense of personal service from them and a belief that you are being looked after from beginning to end. We were so impressed that we now have various products with them in insurance and pensions as well and would strongly recommend them to friends and family."

Ben Carr - SPF CLIENT

"We have used SPF twice now when we have moved house and can't recommend them enough. They help to cut through all of the red tape on mortgage applications to make the process as easy as possible."

Danielle Louise Bennett - SPF CLIENT

"I have just recently been to SPF for my mortgage. Pierre Blampied looked after me and was extremely helpful and made a very stressful time for me much more bearable. I would highly recommend going to them. Thank you."

Michelle Neves - SPF CLIENT

"Jez helped my boyfriend and I get our first mortgage together. He was very helpful and went out of his way to go the extra mile for us. He filled out all of the necessary forms, told us what we needed to do and kept us updated throughout the process. As a young couple it was hard to secure a mortgage, but Jez helped fight our cause and we could not be happier that we are now on the property ladder! The service was very good, and Dianne was also very helpful. We would highly recommend SPF."

Vicki Nicholas - SPF CLIENT

"Simply put: I wouldn't go anywhere else. Having dealt with Jez and the rest of the team at SPF for my first property purchase, my more recent move to my current family abode, raising funds for a business purchase and all the associated insurance policies along the way - Never had a bad experience, always received 5* professional service and will continue to use the services of SPF in future. Keep up the good work!"

Jack McLuckie - SPF CLIENT

"We recently dealt with Gary at SPF, I cannot recommend him enough, we received excellent customer service and he was always on hand to give us advise and answer any questions we had. The whole process of getting the mortgage was pain free and made easy. I would definitely use SPF again in the future."

Jenny Taberner - SPF CLIENT

"Pierre at SPF was one of the first people we came in contact with when we were looking to relocate to Guernsey due to work. He made the process of arranging a mortgage very simple - he was very well connected, knowing a lot of people! That was 10 years ago and since then Pierre and his colleagues have continued to offer great guidance."

Stephen Hare - SPF CLIENT

"Jez at SPF has helped me with two mortgages and on both occasions he has done a fantastic job. Professional, friendly and communicates well keeping you informed and up to date all the time. What more can you say, Mr Robin is very good at his job and gets results when other people can't. It has been a pleasure doing business with Jez, thank you for a job well done."

Simon - SPF CLIENT

"SPF offer a friendly, excellent service that both Jenna and I can highly recommend. Pierre was always happy to answer phone calls at any time of day and regularly answered all our questions. We have now used SPF on two occasions for mortgage advice and both times we have received a very professional and reliable service. They provide great advice, which we really appreciated, thanks very much Pierre & SPF!"

Jonny Veron - SPF CLIENT

"SPF, I only dropped in to see how they could help. Two properties later they are still helping me out. What made things so easy for me - working on site without internet, printer, scanner etc, and as someone who was generally not up to speed with any of it - was that after our first meeting everything was taken care of and I was only called to answer a question or confirm something. To sum it up my dealings with them have been nothing short of fantastic, to complete what many people call the ' most stressful time of your life ' in very little time and completely stress free made the whole thing an exciting adventure. All I can say to those looking to purchase, pop in and see them for a chat."

Adam Dorey - SPF CLIENT

"Having just completed on my first property purchase I can safely say that Jez could not made have made the process any easier. I had two meetings in which he went through the steps with me making aware of everything that he would do and everything that i would need to do, of which was very little! I would definitely recommend him."

Peter Cavagnetto - SPF CLIENT

"Pierre at SPF has always bent over backwards to accommodate our financial needs. It has always been quick, straight-forward, without all the masses of paperwork usually required. Wouldn't use anyone else."

James Neal - SPF CLIENT

"SPF have been instrumental in ensuring our journey as first time buyers has gone swiftly and smoothly. Jez was excellent at maintaining our sanity when things were a little bumpy and the ladies in the office were always friendly and helpful. We really couldn't have done this without you. Thank you so much for making this experience a happier one and a very merry Christmas!"

Roberta Worthington - SPF CLIENT

"We really couldn’t have done it without all your help! Thank you so much for all your advice and guidance from start to finish! The service from SPF was incredible! We will be recommending your services to all our friends and family."

Jodie - SPF CLIENT

"My fiancé and I were looking to buy our first house and Gary's help was very useful! He helped us to determine the best mortgage options and which properties were within our budget, and what we could do with the savings we had accumulated . He also took out all the stress of doing the paperwork. Thanks for all your help Gary - very much appreciated."

Nicki Harrison - SPF CLIENT

"My husband and I went to SPF 8 years ago to discuss a mortgage and they have also given us advice recently. Fab and friendly team who made a stressful time easy. We would definitely recommend!"

Debbie Ellis - SPF CLIENT

"The service that was provided to us was second to none and we would not hesitate in recommending SPF to any potential client of theirs in the future. I have the upmost confidence in them receiving the efficient, quality service that we received during a very difficult house purchase. The property was put back on the market and went under offer with another agent 70% into the purchase process. Court dates were agreed and then the dates were moved, this happened 3 times. This created a lot of extra un-necessary work for all involved. It was a very traumatic time for us and SPF acted very fast and worked to very tight deadlines in a professional manner to secure the purchase. We are very pleased with the service that was provided to us and would highly recommend them in the future."

Chris Winter (Building Surveyor BSc (Hons), C.Build E, MCABE) - SPF CLIENT

"Absolutely amazing service and extremely helpful throughout our entire house purchase. I'd recommend SPF to anyone looking to buy a house who needs assistance getting a mortgage."

Chris Wrigley - SPF CLIENT

"A pleasure to deal with. Thank you to Jez for arranging our mortgage and other matters that could have swamped us at such a busy time. Recommended!"

Harry Bazzaz - SPF CLIENT

"We wouldn't dream of going anywhere else for mortgage advice, they have been so very helpful over the years and have access to such a wide range of products, that they always come up with the very best deal to suit our needs. SPF are great problem solvers too and will work with you to come up with a satisfactory solution. I recommend them to all our friends."

Jo Delbridge - SPF CLIENT

"Thank you for going above and beyond in helping us to secure our forever home. None of this would have been possible without you. We want you to know how much we appreciate everything you've done to make this possible. Thank you again."

Ogier Family - SPF CLIENT

"Thanks for helping us to buy a family home. Gary was very helpful to find us a right mortgage product and personal insurance."

Srikanth Bhat - SPF CLIENT

"Highly recommended for excellent service and first class attention. We have used their services on numerous occasions for mortgage brokering and their London colleagues for valuations. We would have no hesitation to recommend their services and abilities to bring workable solutions quickly and efficiently, time after time."

Phil Dentith - SPF CLIENT

"Excellent service, Pierre was always ready to see us and talk us through each of our house buying ideas. SPF also helped us sort out all our other pension and financial issues."

Anna Kinnersly - SPF CLIENT

"SPF have a very friendly and welcoming team. My husband and I have always returned to SPF for their advice when organising or reviewing our mortgage deals. We have always been able to find one to suit our situation. Where necessary we have also been able to arrange meetings with the other advisors, to discuss what to do with other financial matters, for example investments or insurance. Thank you."

Michelle Griffiths - SPF CLIENT

"I have used Savills Private Finance both personally and via my company - personally for car insurance and professionally for healthcare cover for my employees and public liability cover for the office. I have found Steve Williamson and the team to be excellent at comparing the market and presenting the best deals both in terms of cost and quality of cover. Indeed, the healthcare provider they recommended initially was not one I had heard of but has provided cover and service as good as Bupa and Axa PPP, who I have used previously, but at a significant discount to their costs. I highly recommend the team."

James Blower - SPF CLIENT

"Buying our first house was daunting but with the help of Jez and the team it was made a lot easier and less stressful. From day 1 Jez was very attentive to all our needs and always acted promptly on any questions we had. After this experience I wouldn't rush to look anywhere else for mortgage advice and am so happy we decided to visit SPF."

Dom Heaume - SPF CLIENT

"Using SPF helped finding the right mortgage a lot less stressful, they delivered exactly what was right for us."

Nigel Netherton - SPF CLIENT

"Excellent Service from the word go. As a first time buyer Gary took the time to explain all of the options and nuances with regards to both obtaining a mortgage and deciding upon mortgage protection. With his help, i've managed to secure my preferred mortgage option with a view to going to court in the near future. I would certainly have no hesitation in recommending the services of SPF to anybody."

Andy Stuart - SPF CLIENT

"They were absolutely brilliant soo helpful especially Jez!!"

Aimee Lihou - SPF CLIENT

"Having dealt with SPF for a number of years i feel like i have always had an excellent service from the guys there. The Receptionists are friendly and helpful and whilst helping with my latest mortgage, Pierre went that extra mile to find the right mortgage and the perfect deal for me. I would always strongly recommend them as my first point of call when looking for a new mortgage or at any of the other services that they offer."

Penny Wilson - SPF CLIENT

"SPF was recommended to us by a family member who had received help when buying their first property so we decided to go to SPF for advice and assistance. We immediately booked an appointment and had a meeting with Jez. He was very friendly and quickly helped us gain the information we needed to make an informed decision. Jez was always quick to respond to any queries which we had and presented the information we needed to know at a level we could understand. We would definitely recommend SPF to anyone who is looking at buying property."

Diogo Marques - SPF CLIENT

"Took much of the stress out of Buying our first house! Without Jez to help keep things moving along this would have been a much more scary and stressful experience. Great service would highly recommend to anyone! Merry Christmas!"

Will Holloway - SPF CLIENT

"We needed a great deal of help last year in trying to sort our finances out and work out the best way forward. Jez made the whole process easy to understand and we cannot thank him enough for all his assistance in setting up our new mortgage."

Jenny Powell - SPF CLIENT

"This might be of interest to #chog (Common Housepeople of Guernsey). After over 44 years with a large UK-based insurance company (with no claims ever), I approached SPF for a quote. I couldn't believe I saved over 51% on like-for-like cover. It was a delight to deal with Ben Meader. Top service—highly recommended!"

Keith - SPF CLIENT

"I was recommended to SPF from another mortgage broker as I didn't fit their criteria. After 1 phone call on a late Monday afternoon, appointment the following Tuesday afternoon. Having met Pierre that afternoon, who put me at ease and said it could take up to approximate 10 days for the mortgage application to be processed. By that Thursday of the same week, Pierre emailed me to confirm my application had been accepted. I can not thank him enough, excellent service, stress free and everything including the insurances required were arranged and sorted with out me having to do very much. I am now settled happily in my new house, and would recommend SPF to everyone. Thanks so much guys, a good team effort."

Cathy Loveridge - SPF CLIENT

"We have been back in Guernsey for 6 years now and we have used SPF for everything financial since our return. They have been so helpful that there has never been a need to go anywhere else. We have recommended them to lots of friends and family members and I'm pretty sure we wouldn't be where we are now without the help of Jez along the way."

Claire Cole - SPF CLIENT

"It is difficult to find your way onto the property ladder in Guernsey for the first time, but after a brief meeting with SPF I went away armed with the knowledge of how much I could borrow, what the monthly repayments would be and which lender was likely to be the most suitable for my needs. When I found a property I was interested in (which was really outside my budget), I called SPF and said "what's the highest offer can I put in?" They told me and one month later I had been to court to complete the purchase. SPF did all the paperwork for me on my mortgage application and worked behind the scenes to ensure the money was there when I needed it. The whole process was very easy and stress free. I would highly recommend them."

Sam Williams - SPF CLIENT

"Jez & the team at SPF have been wonderful from start to finish. We will use them again without a doubt. Highly recommended."

Aaron Dodsworth - SPF CLIENT

"We found Jez extremely helpful during our buying process. All the options were set out before us, along with clear and sound advice. Getting the mortgage aspect right is certainly vital, and we would return to SPF in the future if the need arises. Keep up the good work."

Alan Sillett - SPF CLIENT

"An outstanding service from Jez and the team and easy to contact and always did what he said he do. Worked really hard to find a solution for my difficult circumstances. Try him you wont be disappointed."

Adrian Gabriel - SPF CLIENT

"As first time buyers, my fiancé and I booked an initial appointment/informal chat with Gary hoping to gather some information on the current property market and whether getting a mortgage was even a possibility for us. He was friendly, informative and spoke at a level which we understood. I would recommend SPF to anyone looking to buy their first home."

Samantha le Cras - SPF CLIENT