Home（https://www.spf.gg/）
About us（https://www.spf.gg/about-us/）
News（https://www.spf.gg/news/）
Testimonials（https://www.spf.gg/testimonials/）
Contact us（https://www.spf.gg/contact-us/）
Mortgage Calculator（https://www.spf.gg/mortgages/mortgage-calculator/）
T: 01481 715234
E: infogsy@spf.co.uk
Home（https://www.spf.gg/）
About us（https://www.spf.gg/about-us/）
News（https://www.spf.gg/news/）
Testimonials（https://www.spf.gg/testimonials/）
Contact us（https://www.spf.gg/contact-us/）
Mortgage Calculator（https://www.spf.gg/mortgages/mortgage-calculator/）
Real Estate Debt Advisory
Trust Company Loans（https://www.spf.gg/real-estate-debt-advisory/trust-company-loans/）
Case Studies（https://www.spf.gg/real-estate-debt-advisory/case-studies/）
Our advisers can save your business time and energy by putting together the best commercial finance packages to suit its needs.
The sheer volume of commercial finance solutions available is comprehensive and can also be complex. This is where a specialist service, like SPF’s Real Estate Debt Advisory team, can provide you with key support and add real value as you look to secure funding on the best possible terms.
Our team has extensive lending experience across a multitude of client sectors, asset classes and jurisdictions which can help to shape your proposition as well as identify an appropriate funding partner, both onshore and offshore. Our wider SPF network provides us with access to over 100 different lenders including retail, private and challenger banks, building societies and other specialist funders giving us access to senior debt, mezzanine and equity finance.
The extent of our experience can support you with a wide range of real estate borrowing requirements including:
Property investment/development finance
Commercial mortgages for the purchase of owner occupied property
Bridging finance
Beyond real estate our commercial expertise and understanding can also help you with other complex needs including:
Practice buy-in loans for professionals such as doctors, dentists, vets, advocates and accountants
Business acquisition funding
Specialist asset finance
Not only can we support you with new funding requests but we can also review existing facilities to ensure that these are structured appropriately and that your needs, which may change from time to time, are met through the most optimum funding solutions.
Using our independence, knowledge and experience we aim to make the complex more simple, delivering bespoke solutions in terms of debt structure and pricing, allowing you more time to focus on your business.
To find out more about Real Estate Debt Advisory from SPF, please contact us today:
T: 01481 715234
E: goneill@spf.gg
Advisers
Gary O’Neill
Real Estate Debt Advisory
T: 01481 715234 | E: goneill@spf.co.uk
Gary O’Neill
Real Estate Debt Advisory
Gary previously headed up the Corporate Banking division at RBS International in Guernsey before joining SPF Private Clients in May 2021 to manage its Real Estate Debt Advisory proposition. With a banking career spanning in excess of 30 years, Gary has extensive lending experience across a wide range of sectors including corporate and family office, real estate and private clients.
T: 01481 715234 | E: goneill@spf.co.uk
Testimonials
"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
"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
"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
"Using SPF helped finding the right mortgage a lot less stressful, they delivered exactly what was right for us."
Nigel Netherton - SPF CLIENT
"They were absolutely brilliant soo helpful especially Jez!!"
Aimee Lihou - 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
"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 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
"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
"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
"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
"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
"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
"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
"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
"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
"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
"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
"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
"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
"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
"Great service and excellent advice. SPF are really helpful and understanding. Thank you so much."
Clare Louise Arnold - 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.