Why use us?

  S&P have been fantastic in supporting my wife and I with our recent engagement. Both Kush and Aqsa were highly professional and diligent in the work they did and communication... read more was always clear and speedy. Would highly recommend them for any mortgage matters.

  Kushal at S&P Financial has been outstanding in securing and processing our mortgage. The process has been quick and smooth. He is always at hand to help and answer any... read more questions and has expertly guided us through the process. I highly recommend him and his team

  I am extremely grateful for what Kushal has done for us in purchasing our property. Being a first time buyer, we had very little knowledge around mortgages but Kushal explained... read more everything to us in thorough detail and provided a tailored service to suit our needs. I have already and will be recommending him to anyone getting a mortgage. Thanks again to the team at S&P!

  Great Service from Swornim at S&P Financial. This was our first time going through the mortgage process and Swornim took the time to understand our needs and find the best... read more arrangements for our circumstances. He answered all our questions promptly and ensured we understood all the different options available to us. Highly recommend for a smooth, stress- free and supportive experience.

  Excellent experience working with Kushal. He went above and beyond with his time and effort and was always available to answer any questions we had. He explained each step thoroughly... read more and the whole process was very smooth from start to finish. Couldn’t recommend them enough!

  Me and my partner recently worked with S&P Financial on our mortgage process, and I cannot recommend them highly enough. From the very beginning through to completion, the team—especially Swornim... read more Dewan and Kush Patel—were absolutely superb. They took the time to explain every step clearly and patiently, ensuring we understood all aspects of the process. Their professionalism, responsiveness, and genuine care made what could have been a stressful experience feel smooth and manageable. Swornim and Kush were always available to answer questions, provide guidance, and offer reassurance. Their expertise and dedication truly stood out, and we felt supported every step of the way. Thank you to the entire team at S&P Financial for your exceptional service. We’re incredibly grateful!

  I had a great experience working with S and P Financial Management Ltd, and I highly recommend them. The process of sorting out a mortgage can be stressful, but they... read more made everything feel straightforward and manageable. A big thank you to Kushal, our mortgage advisor, who was incredibly helpful from start to finish. He explained everything clearly, was always quick to respond, and found us a great deal that suited our needs. His support made a big difference, and we’re really grateful for his guidance throughout.

  Fantastic service from S&P Financial - Kushal & Team . As a first-time buyer, We had lots of questions, but they guided us through every step with patience and clarity.... read more The process was smooth, stress-free, and well explained. Highly professional and supportive – I’d definitely recommend!

  Outstanding Service & Fantastic Mortgage Deal! I can’t recommend S&P financial highly enough! From the very beginning, the team was professional, responsive, and incredibly helpful. They took the time to explain... read more all my options clearly and made the entire mortgage process stress-free—something I truly didn’t expect. Kushal went above and beyond to secure me a fantastic deal. Their knowledge of the market, patience in answering all my questions, and constant updates made a huge difference. I always felt like I was in safe hands. Whether you're a first-time buyer or remortgaging, I wouldn't hesitate to recommend S&P financial to anyone looking for expert advice and top-notch service. Thanks again for everything Kushal & Team —you’ve made what could have been a complicated process feel smooth and even enjoyable!

  Swornim our broker has been really helpful and proactive. He is very knowledgeable and provides good advice in detail. Me and my wife are both thankful for his support and... read more dedication. Will definitely be using his services in future and recommend others to use his services.

  Brilliant Service provided by mortgage advisor Swornim from S&P financial pinner . Swornim is excellent mortgage advisor , We would like to thank Swornim from the bottom of our... read more hearts. We work with him the first time to buy our property and the life insurances related to our properties . He is absolutely fantastic from start to finish , hes good at explaining and helped us alot. He is very kind, with decades of experience and always able to find the best deal for us. We would like to highly recommend Swornim to everyone!

  A truly diligent, supportive and proactive team at S&P no matter what your requirement may be. They strive to do their best in going above and beyond with most if... read more not all requests. Kush, Vatsal and the rest of the team were greatly helpful in getting our mortgage offer through and locked in quick time. Highly recommend!

  Thank you so much to Kush for all your help with our mortgage offer under a really quick turnaround. Advice went above and beyond. I strongly recommend to anyone looking... read more for a full-service 24/7 dedicated team and approach.

  S&P Financial are amazing. Super proactive in finding the best deal and communication is second to none. Have been with this company for 25+ years and there’s simply no need... read more to look else where. Would give 10 stars if I could.

  I have had an incredible experience with S&P Financial, through to me initially having my first mortgage and most recently my remortgage. Nishma my Broker has provided ... read more a seamless service and I am grateful. I would highly recommend.

  We have been amazed of working with Kush and Nishma to secure a mortgage for our first home and we were extremely impressed with their entire process of work and... read more making us understand. Their exceptional communication and engagement made the entire experience seamless and stress-free. Helped us with the Life Insurance with good rates along with that have helped us in many ways wherever we had question or we got stuck. Based on our outstanding experience, we highly recommend Kush and the S&P team as a go-to financial advisor for anyone seeking expert guidance. Keep up the good work going.. Many Thanks, Mitul & Pooja Shah

  It has been an absolute pleasure working with Kushal and his outstanding team. They have made this process seamless and extremely efficient. We are very grateful to the whole team... read more for their efforts and support.

  It has been an absolute pleasure working with Swornim during the remortgaging process. He is highly informative, consistently keeping us updated with the latest mortgage rates and expertly securing us... read more lower rates as they became available. Swornim is professional, responsive, and dedicated to looking after our interests. Highly recommended for his outstanding service and genuine care for his clients.

  Swornim has been very helpful in guiding us through the remortgaging process, and in securing us the best available plan. He has been extremely patient and responsive in answering all... read more of our questions. The overall service provided by S&P Financial has been excellent, and I would gladly recommend them to friends and family.

  I recently had the pleasure of working with Kush to secure a mortgage for my home in London, and I was thoroughly impressed with his engagement throughout the entire process. Proactive... read more Communication : From start to finish, Kush and his team ensured that we were well-informed about every step of the way. They expertly guided us through the necessary tasks, including: - Arranging an L2 survey - Taking out life insurance - Securing illness protection insurance - Setting up building and contents insurance - Referring us to a reliable solicitor Best Mortgage Rates : Not only did Kush's team demonstrate expertise in securing the best possible mortgage rate, but they also efficiently handled updates required before the mortgage release. Their prompt attention to detail ensured that the transaction was completed on schedule. Outstanding Customer Service and Engagement : The S&P team's commitment to customer satisfaction is truly commendable. Their exceptional communication and engagement made the entire experience seamless and stress-free. Based on my outstanding experience, I wholeheartedly recommend Kush and the S&P team as a go-to financial advisor for anyone seeking expert guidance and unparalleled service. Keep up the good work!

  Kush did a superb job advising us on our first mortgage and found a great deal. I would definitely recommend the company for your mortgage needs.

  If I could give more than 5*s I would. Nishma I can’t thank you enough. S&P financial bought out my previous mortgage broker so I’d somewhat inherited them without knowledge of who... read more they were as a company. But without a doubt I will now be sticking with them. Nishma is amazing and her communication is great - always contactable and happy to chat whenever required. I really appreciate all the help and advice you have given us and I look forward to working with you again in the future!

  Brilliant service from Kushal and his lovely team! So prompt with all their responses and got us our mortgage quicker than we ever expected. Couldn’t recommend their services enough, will... read more most definitely use them again!

  Kushal and his team are absolutely fantastic. From the initial conversation to putting the application through- brilliant service and advice throughout. Couldn’t recommend them highly enough.

  We’ve been using this company for the past four years, and we wouldn’t go anywhere else! They are incredibly quick, responsive, and always go the extra mile to make the... read more mortgage process seamless—even with complex cases like ours. Their team is not only knowledgeable but also patient, taking the time to explain everything in simple terms, no matter how many questions we had. Their friendly and professional approach made the entire experience stress-free. If you’re looking for expert mortgage advice with top-tier service, I highly recommend them!

  Kush dealt with our limited company mortgage fantastically getting us a good deal even through some difficult moments where the underwriters were challenging to say the least. Kept us in... read more constant communication with the latest status and made the actually application process pretty seamless. Very happy with his support on this and look forward to working with him on other projects soon!

  I recently worked with Nishma for my remortgage, and I couldn’t be happier with the experience. From start to finish, Nishma provided exceptional support, clear advice, and tailored solutions that... read more perfectly suited my needs. She took the time to understand my financial situation and presented options in a way that was both professional and easy to understand. Nishma kept me informed at every stage, promptly addressed any concerns, and made the entire process seamless and stress-free. I highly recommend S&P Financial services to anyone seeking trustworthy and expert financial advice

  I have had the pleasure of working with Kumar for 10 years and his son for 3 years. As a family-run business, S&P Financial Management has been my trusted mortgage... read more broker for both my first and second properties, and I couldn’t be more satisfied with their service. Kumar and his team always go above and beyond to find the most feasible, cost-effective mortgage options that suit your budget and needs. They really take the time to understand your situation and work tirelessly to ensure you’re getting the best deal possible. I’ve had two mortgages arranged through S&P Financial Management, and I completely trust their advice. What sets them apart is their exceptional customer service. They are always available to answer any questions, provide guidance, and ensure everything gets done efficiently and on time. Their support and expertise have been invaluable in getting things actioned and over the line, which has made the process so much easier for me. I highly recommend S&P Financial Management to anyone looking for a reliable and professional mortgage broker. You can trust them to handle your needs with the utmost care and expertise.

  I recently worked with Kush to secure my mortgage. I was very impressed with Kush’s diligence throughout the process and his expertise to bring the best rates to the table.... read more What sets Kush and the team apart is their proactive approach - they communicate early and often which made the process quick and stress free. I would highly recommend turning to Kush when securing a mortgage.

  If you need the best mortgage advice and best deals. This is the team for you. Kushal and Vatsals splendid work has saved me so much money!