Privacy Notice

1. Introduction

At SPF Private Clients (Channel Islands) Limited (“SPF”, “we”, “us”, “our”) we need to collect and process personal data from or about individuals (“you”, “your”) in order to advise and arrange mortgages and other home finance and credit products, protection, and insurance services. This Privacy Notice applies to you in the event that we have collected personal data from or about you in our role as a data controller. It explains when, why and how we collect and process your personal data, the third parties with which we may share your personal data, what your rights are in the event we hold your personal data, and how you can enforce these rights.

We may amend this Privacy Notice from time to time in order to reflect any changes in how we process personal data, or to satisfy any new requirements under applicable data protection laws. If we make any significant changes, we will let you know directly.

This version of the Privacy Notice was published in May 2025.

2. Definitions

To be clear on what we mean in this Privacy Notice:

  • “personal data” is any information that can be used to identify a living individual;
  • “sensitive personal data” is personal data concerning racial or ethnic origin, political opinions, religious or philosophical beliefs, genetic data, health data, sex life or sexual orientation;
  • “data controller” means an organisation that decides how and why to collect personal data;
  • “the Howden Group” is Howden Group Holdings Limited and any company or organisation in which Howden Group Holdings Limited holds significant share capital. We are part of the Howden Group, and you can find out more information about other companies in the Howden Group by visiting www.howdengroupholdings.com; and
  • “third-party” is someone who isn’t you, us, or a company in the Howden Group.

3. Who does this Privacy Notice relate to?

This Privacy Notice relates to the following types of individuals, where we hold your personal data:

  • Individuals who are prospective, current or former clients, including their representatives, for example those with power of attorney;
  • Other individuals named on policies, joint policy holders or beneficiaries;
  • Employees of our corporate clients who we liaise with, or who are named on a policy;
  • Individuals who we liaise with at lenders, insurers, managing general agents, other market participants, and other financial services providers;
  • Members of a trade or professional association;
  • Individuals who contact us with a query, concern or complaint;
  • Individuals whose personal data we may have obtained from publicly available sources, for example in connection with us undertaking background checks on our potential clients;
  • Visitors to our websites; and
  • Individuals who solicit us for a quote, or who we solicit for marketing purposes.

There are types of individuals who this Privacy Notice does not relate to, for example our employees and sub-contractors (including prospective and former employees and sub-contractors). If you are one of these individuals and would like further information, please contact us using the details set out under Section 15.

4. Who are we?

We are an independent mortgage and insurance broker that is part of the Howden Group, and which is regulated in Guernsey by the Guernsey Financial Services Commission (GFSC) under reference number 1032827 (you can view a full list of our current trading names by visiting https://www.gfsc.gg/commission/regulated-entities and searching our name). We are also registered with the Office of the Data Protection Authority, and we can be contacted using the contact details set out under Section 15.

5. When and how we collect this personal data

We may collect personal data from, or about, you at different times and through different channels depending on our relationship with you, for example if:

  • You approach SPF for advice on a home finance product, including a mortgage or consumer credit, protection and insurance.
  • You purchase, change or cancel a policy through us;
  • You are covered under, or named on, a policy that has been taken out by your employer;
  • We receive notification of a claim that is made against you, or that you bring against one of our policyholders;
  • You are a client of a business that we acquire;
  • You contact us in writing or speak to us on the phone;
  • You visit one of our stands at a show or trade fair;
  • You give permission to other companies to share your information with us;
  • Your information is publicly available and we have a legitimate reason to use it; and
  • We are provided with your personal data by third parties such as anti-fraud and crime-prevention agencies, credit reference and
    vetting agencies, and other data providers.

6. What personal data do we collect?

Depending on your relationship with us, we may hold the following types of personal data about you:

  • Identity and contact data: for example, your name, gender, date of birth, postal address, job title, telephone number and e-mail address;
  • Policy and claims information: for example, your policy number, details of your cover, premiums due, relationship to the policyholder (if applicable) and previous claims history;
  • Payment and account data: for example, your bank account details and credit/debit card details where you are the payer of a premium;
  • Location data: for example, your residential, work or IP address, the location of an insured item or property, and in the event of a claim, where the incident occurred;
  • Correspondence data: for example, copies of letters and e-mails we send you or you send to us, and notes or call recordings of any telephone conversations.
  • Information we obtain from other sources: including credit agencies, antifraud and other financial crime prevention agencies;
  • Complaint data: for example, what the complaint was, how we investigated it and how we resolved it, including any contact with third-party adjudicator services;
  • Internet data: for example, information such as your IP address that may be collected by cookies and other online technologies when you visit our website; and
  • Sensitive personal data: for example, health-related data or ethnicity data, but only in restricted circumstances as explained under Section 8.

7. The lawful ways we use personal data

We collect and process personal data for the following lawful reasons:

  • To enter into or perform a contract with you: for example, to provide you with a quotation or illustration, to start, change or cancel a policy, to answer any queries you may have, or action your requests;
  • To comply with a legal obligation: for example, the rules set by our regulator the Guernsey Financial Services Commission (GFSC), to fulfil your data rights under data privacy laws, handle complaints about our services, and to comply with other legal requirements such as preventing money laundering and other financial crimes;
  • For our legitimate business interests: for example, to arrange and administer a policy where your employer is our client, to respond to third party claimants, to maintain accurate records in our systems, to monitor and improve our products and services through the use of analytics, to demonstrate compliance with applicable regulations, to undertake some marketing activities, and to facilitate internal management reporting activities across our businesses. Where we rely on this lawful reason, we assess our business needs to ensure they are proportionate and do not affect your rights. In some instances, you also have the right to object to us relying on this lawful reason (if applicable) to process your personal data. Further information on this right is provided under Section 14;
  • With your consent: for example, if you consent to us contacting you for marketing purposes. You can withdraw your consent at any time (to the extent we are relying on it) by using the contact details set out under Section 15; and
  • To protect vital interests: in extreme or unusual circumstances, we may need to use your information to protect your life or the lives of others.

8. The lawful ways we use sensitive personal data

We only collect sensitive personal data from or about you where:

  • This is necessary for us to advise, arrange or administer your policy or claim arising from one;
  • This is necessary for us establish, exercise or defend a legal claim;
  • This is necessary for us to safeguard vulnerable individuals;
  • We have obtained your explicit consent; or
  • You have manifestly made this type of data public.

9. Who we share personal data with

Below are the categories of third parties that we may share your personal data with, but only where we have a legitimate reason to do so:

  • Business partners, brokers, intermediaries, lenders, banks, insurers, finance product providers, suppliers and agents involved in delivering products and services to you;
  • Credit reference, credit scoring and fraud prevention agencies;
  • Debt collection agencies;
  • Law enforcement, government bodies, courts, tax authorities and our regulators;
  • Service providers who help us manage our IT and back office systems, or who provide us with tools or platforms that we either make available to you, or which we use to undertake activities mentioned earlier in this Privacy Notice;
  • Marketing fulfilment, webinar and customer satisfaction service providers, acting on our behalf in facilitating online events, providing marketing communications and capturing feedback from our customers on our service levels;
  • Any third party where disclosure is required to comply with legal or regulatory requirements;
  • Other Howden Group companies; and
  • Potential purchasers of our businesses.

10. Use of Artificial Intelligence

In certain cases, the tools, systems or platforms alluded to under Section 9 may leverage Artificial Intelligence and related technologies. For example, in order to reduce the time it takes for us to manually produce a summary of a meeting or a phone call and then file that against a customer record, we may use a Generative AI service that analyses the transcript of that meeting or phone call to produce a summary that is then subject to a human review for accuracy. Or we may use Large Language Models that rely on our internal indexing of documents to make it easier for us to search for and retrieve information that we hold. In the event that we use Artificial Intelligence and similar technologies to make decisions about you, we will inform you of such separately.

11. Sharing data within the Howden Group

As stated in Section 9, we may share personal data with other companies within the wider Howden Group for the following purposes:

  • To receive administrative support from those companies, such as the receipt of IT, HR, Finance and Compliance services; and
  • So that we can offer you services that may be available from another company in the Howden Group, but only if permitted under electronic marketing laws.

We will only share the minimum amount of personal data required to achieve these purposes, ensuring that we have a lawful basis to share personal data and that any processing undertaken on our behalf is governed by a data processing agreement.

12. International data transfers

In order to fulfil the purposes described in this Privacy Notice, we will need to transfer your personal data outside of Guernsey and stored in the UK. The UK is an authorised jurisdiction for transfers as it has been deemed adequate by the European Commission.

We may need to transfer your personal data to jurisdictions outside of the EU. For example:

  • We may need to transfer your personal data overseas in order to arrange insurance or a mortgage for you, with the destination being dependent on the location of the insurer or lender;
  • We may need to make your personal data available to our Howden Group companies established in the European Union or Switzerland (for example) if they are better placed to support you; or
  • We may need to transfer your personal data to an overseas supplier if (for example) they provide us with an online software service that we in turn have made available to you.

If the overseas destination is not considered to provide an adequate level of protection under the data protection law that applies to the processing of your personal data, then we shall generally ensure that a formal and enforceable set of standard contractual clauses is, or has been, entered into between us and the overseas recipient. You can ask us for more information on this by using the contact details set out under Section 15.

13. Retaining and destroying personal data

We retain personal data about you in order to provide any services that you may request from us, to meet a number of legal and regulatory record-keeping requirements, as well as to support our own legitimate business interests. In most cases we will retain your personal data for 7 years following the end of our relationship with you in order to ensure we can sufficiently handle any disputes, claims or complaints that may arise in connection with the relationship. In some cases we may need to retain your personal data for longer than this period, for example if a relevant insurance policy allows for a longer claim notification window. You can request further information on these retention periods by using the contact details set out under Section 15.

14. Your data rights

Data protection laws give you rights relating to your personal data. Should you wish to enforce a right (generally at no cost to you), or make a data protection complaint, please use the contact details set out under Section 15. We aim to provide a final response within one month of receiving a request, unless the request is particularly complex in which case we will let you know when we expect to complete it by:

Access

You have a right to request a copy of the personal data that we hold on you, along with meaningful information on how it is used and who we share it with, however there are some instances where we may not be able to provide you with some or all of the information we hold. Where this is the case we will explain to you why when we respond to your request, unless the relevant laws or regulations prevent us from doing so.

Rectification

You have a right to ask us to correct inaccurate or incomplete personal data that we hold about you. We will either confirm to you that this has been done, or if there is a valid reason that this cannot be done, we will let you know why.

Erasure

You can request that we delete your personal data in certain circumstances, for example if we no longer need the personal data for the purpose(s) for which we collected it. We will either confirm to you that this has been done, or if we are unable to delete it due to a compelling overriding reason we will let you know why.

Restrict processing

You can ask us to restrict the processing of your personal data in certain circumstances. If you do so, we will either confirm that this has been done, or if we are unable to do so, we will let you know why.

Data portability

In certain circumstances you have the right to request that your personal data be transferred to yourself or a nominated third party in a common, machine readable format. If you request this, we will either act upon your instruction and confirm to you that we have done so, or if there is a valid reason that this cannot be done, we will tell you why.

Object to direct marketing

You can object to receive direct marketing from us, and this right is absolute. You can do this by simply clicking on the unsubscribe link in any email you receive from us or alternatively getting in touch with us.

Object to automated decision-making

If you are an insured person undertaking a credit check through a premium finance lender, we may use Automated Decision Making to determine what action to take based on the resulting credit score. You have the right to object to decisions made about you using your personal data and undertaken by purely automated means. If you do so, we will arrange for someone to assess the automated decision and confirm the outcome of this assessment to you.

Should you submit a request or complaint to us and remain unhappy with our response, you may raise a complaint directly with the Guernsey supervisory authority whose contact details can be found at https://www.odpa.gg/.

15. Our contact details

The primary point of contact for all issues arising from this Privacy Notice, including requests to exercise your rights, are as follows:

  • By email: infogsy@spf.co.uk
  • By telephone: 01481 715234
  • By post: SPF Private Clients (Channel Islands) Ltd, The Financial Suite, The Maze, Berthelot Street, St. Peter Port, Guernsey GY1 1JT

The Office of the Data Protection Authority details:

  • By email: enquiries@odpa.gg
  • By telephone: 01481 742074
  • By post: The Office of the Data Protection Authority, Block A, Lefebvre Court, Lefebvre Street, St. Peter Port, Guernsey GY1 2JP

16. Communications

Depending on our relationship with you, and any marketing permissions or preferences you have provided to us, we may contact you via e-mail for the following reasons:

“Servicing” messages and calls

These are messages that we must reasonably send you to provide you with services that you have requested from us, for example:

  • To provide you with updates as to your mortgage application;
  • To provide you with quotations, including renewal quotations;
  • To provide you with your insurance documentation;
  • To notify you of changes to any relevant terms and conditions;
  • To perform debt recovery;
  • To provide you with updated information regarding the services you receive from us, for example if we update our privacy notice, change our opening hours or office location, or if there is a change in the laws or regulations that apply to the services we offer and;
  • Responding to any queries, complaints or concerns you raise with us.

Because these messages are reasonably necessary, and sometimes may be required by law, regulation, or contract, they may be sent regardless of your marketing preferences.

“Market research” messages and calls

These are messages that we send you to gain your feedback on our services. The information you give us is then used to help us understand where we can improve our products and services. Because these messages aren’t intended to promote or sell anything to you, they may be sent to you regardless of your existing marketing preferences. However, we appreciate that some people may not wish to receive such messages. If you would like to opt-out of future market research by using the “unsubscribe” options in any market research e-mails, SMS/text messages or post you receive, or by asking to be unsubscribed when we call you.

“Marketing” messages and calls

These are messages which we send to you to promote our products and services, as well as those of our business partners and other companies within the Howden Group.

If we contact you by e-mail to market our own products and services, then we will either do so because you specifically agreed to receive these messages (also known as “consent” under current laws), or because you told us you did not object to receiving these messages when you gave us your information (also known as “soft opt-in”).

“Solicited” marketing calls and messages

Solicited marketing communications are any calls or messages you have specifically requested. This type of contact commonly arises when you specifically ask us to arrange for one of our business partners to contact you about their own products or services, for example if you request this via a call-back form or similar function on one of our websites. It also occurs where you ask us to contact you closer to your existing renewal date to provide you with a quotation.

Because you have specifically requested the contact, it may be made regardless of any broader marketing permissions we or our business partners may hold about you.

We and our business partners will only make this kind of contact with you to provide you with the information you have requested. If the initial attempt to contact you is unsuccessful, we or our business partners may try again, so long as the total number and frequency of the attempts does not become excessive.

Opting out of marketing messages

You always have the right to opt out of future marketing messages or change how you receive them, and you can do so in the following ways:

  • By using the “unsubscribe” links present in any marketing e-mails that we send you;
  • By telling our agent that you wish to change your marketing preferences when you speak to them;
  • By using the details shown in the “how you can contact us” section of this notice, and telling us to update your marketing preferences, or;

Marketing on social media

You may see adverts for our products and services if you use social media platforms such as Facebook or Instagram. This normally occurs where we have asked the social media platform to advertise us to audiences who are likely to have a need for particular services.

Exactly how and when you see our adverts is determined by your own privacy settings on the specific social media platform concerned. Normally, you will be seeing the advert because you have consented to receive targeted advertising via your social media settings.

You can find out more about how you can control the adverts you see, and exert control over how and when you are targeted by advertising on social media, by visiting the “Privacy Centre” or “Privacy Settings” section of the platform’s website or mobile phone app.

Testimonials

"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

"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

"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

"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

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

Nigel Netherton - 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

"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

"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

"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

"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

"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

"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

"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

"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

"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

"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

"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

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

Clare Louise Arnold - 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

"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

"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

"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

"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

"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

"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

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

Aimee Lihou - 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

"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

"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

"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

"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

"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

"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

"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

"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

"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

"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 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

"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

"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

"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

"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

"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

"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

"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

"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

"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

"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

"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

"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

"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

"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