Why use us?

  I would like to thanks to Kushal and Swarnim for the outstanding support they provided throughout my mortgage application for my new home and my buy‑to‑let mortgage. The entire process... read more was seamless and completely stress‑free. Everything was handled with efficiency, and every step was clearly explained well in advance. I truly appreciate their professionalism and the excellent service they delivered.

  Excellent service from first contact to mortgage offer.All questions were answered politely and positively from day one. I wish all brokers/agents were like S&P Financial Services. We are so grateful... read more to have chosen this company. Nothing but positive vibes from dealing with them.

  I would highly recommend Nishma for her great service. She helped us remortgage and sorted out our life insurance. She guided us through the whole process and gave the best... read more advice. She was always there to answer any questions we had. Will definitely use her services again in future.

  We had a fantastic experience working with Kush and his team at S&P Financial again. They made the entire process of switching to a new mortgage rate seamless and stress-free.... read more Everything was handled efficiently, clearly explained, and completed on time. We felt fully supported throughout and really appreciated their professionalism and expertise. Highly recommend Kush and the S&P Financial team to anyone looking for a reliable and knowledgeable mortgage advisor!

  I want to give a huge thank-you to Nishma and Kumar SP Financial for their amazing service in processing our remortgages. The communication throughout the entire process was excellent ,clear,... read more consistent, and always reassuring. They worked hard to find the best-suited rates for us and made everything feel smooth and stress-free. Truly outstanding service. Highly recommended!

  Huge thanks to Nishma for her fantastic service! She kept us updated every step of the way and managed to secure us a mortgage offer even with our complex case.... read more Would highly recommend.

  I can’t recommend Nishma enough! After a long and stressful period of struggling to get approved for a mortgage, she worked tirelessly to find the right lender for me. Her... read more dedication, clear communication, and persistence finally got my mortgage offer approved. I’m so grateful for all her hard work — thank you,

  I cannot recommend Kush highly enough as a mortgage broker. From start to finish, he made what could have been a stressful and overwhelming process feel seamless and straightforward. Kush... read more took the time to really understand my situation and goals, explained every option in clear and simple terms, and went above and beyond to secure the best possible deal for me. If you’re looking for someone who combines deep industry knowledge with a truly personal approach, Kush is exactly the person you want on your side. I’ll absolutely be recommending him to friends and family.

  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.

  This was my third time working with S&P on my mortgage, and my first with Swornim. I cannot recommend the team enough. Swornim made all of my options very clear,... read more answered all of my questions no matter how trivial, kept an eye on rates for me and made sure I was informed throughout the remortgage process. He was personable and professional, I felt in good hands and he for sure took the stress out of the whole process. Thank you for all of you time and efforts.

  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.