Finding the right mortgage can be difficult. Our aim is to make the process run as smoothly as possible for you. We offer a comprehensive range of products from a panel of lenders, which helps us to find the most suitable deal for your circumstances.

Here are some of the products we can offer you:

First Time Buyers - we find the right deal to help you to get on the property ladder.
Home Movers - we can help you port your existing mortgage, or find a new mortgage for your new home.
Remortgages - whether you want a new deal or are raising capital we can help.
Buy to Let we find the right deal to secure your investment.
Our Admin Fee is £399 payable on application.

Your home may be repossessed if you do not keep up repayments on your mortgage.

In general Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

SPB Mortgage Consultants Ltd is an appointed representative of First Complete, which is authorised and regulated by the Financial Conduct Authority.

Secured Loans


A secured loan or second charge is borrowing that can be arranged in addition to a mortgage. Secured loans are only available to homeowners with the debt secured against your property. Although there are some similarities between a secured loan and a mortgage the two products are completely separate. A secured loan is a different product to a further advance on an existing mortgage that you may have. We can refer you to our panel of lenders for secured loans.

Please contact us for further details.

Secured loans are referred to a third party. SPB Mortgage Consultants Ltd and First Complete Ltd are not responsible for any advice received from the third party.

Mortgage Protection


We should all consider protection. What would happen if a sudden illness, disability or death occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen. Our panel of protection providers includes: Ageas, Aviva, Friends Life, Legal & General and Vitality.

We offer the following types of protection:

Mortgage Payment Protection Insurance - also known as Accident, Sickness and Unemployment Insurance, this covers your monthly mortgage payments and certain related costs for a specified period of time if you are suddenly unable to work due to an accident, sickness or involuntary unemployment.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit

The typical cost for ASU cover is £8.20 per £100 monthly benefit. This is based on someone aged 35 with a 30 day waiting period.

Life Cover - This comes in two forms: Level Term Assurance or Decreasing Term Assurance. Level Term Assurance will give you the same amount of cover throughout the life of the policy and pay out that amount if you make a claim. Decreasing Term Assurance will decrease over the term, usually to match your decreasing mortgage balance and is designed to pay that balance if a claim is made.

Critical Illness Cover - To cover you and your family against the financial impact of a critical illness and loss of income through sickness. This cover pays out a lump sum when you have a particular illness. Illnesses covered vary depending on the provider and type of policy.

Home Insurance


You need to protect your home against flood, fire, theft and other perils. We can offer you competitive quotes on your Home Insurance from our panel of  Home Insurance Providers which includes Paymentshield, Legal & General, Confidas, Uinsure, Zurich and First2Protect.

We can offer you the following products:

Buildings Insurance - Lenders will require you to have buildings insurance on the property you own or let. This covers you for rebuild costs after damage caused by floods, fire or other unforeseen events.

Contents Insurance - This will cover your contents in case of loss, theft or damage. In the event of a claim you will get the item(s) replaced or the money to replace them. We also provide Personal Possessions cover away from the home so that you can rest assured if you lose or have a valuable personal possession stolen (such as jewellery, iPad,musical instrument etc.) you are covered.