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.


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.


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.



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 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.


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.