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SPD Financial

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SPD Financial

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Creating financial resilience by supporting families & businesses with bespoke Mortgage & Protection packages☂️

Creating financial resilience by supporting individuals, families & businesses with bespoke protection packages.

16/10/2026

Life is busy enough without trying to fit a mortgage review into an already packed schedule. That’s why we’ll work around you.

A mortgage review can be a useful opportunity to:

🔹 Check whether your current mortgage still suits your circumstances
🔹 Review your options before your current deal ends
🔹 See whether your changing plans could affect your mortgage needs
🔹 Make sure you’re aware of the options available to you

Whether you’re balancing work, school runs, family life or all three, we’ll work around your schedule to make the process as straightforward as possible.

📲 [email protected]
🌐 www.spdfinancial.co.uk

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

15/10/2026

At SPD Insure & Protect, we understand that no two people, families or businesses are the same. That’s why we believe your insurance should be built around your individual circumstances, priorities and the things that matter most to you.

Today, we’re putting the spotlight on Holly, one of the people behind the protection we provide.

Whether you’re looking to review your existing cover, find the right policy for your circumstances or simply need some guidance on where to start, Holly is here to help. From understanding your needs to helping you navigate your options, she can make the process of arranging the right protection feel much simpler and more straightforward.

Because good insurance isn’t just about having a policy, it’s about having the right people behind it.

📲 [email protected]
🌐 www.spdfinancial.co.uk

13/10/2026

Saving a deposit is a huge step towards buying your first home, but there are a few other things worth getting in order before you start house hunting.

💰 Your deposit – The bigger your deposit, the more mortgage options you may have, but you don’t necessarily need to save 20% or 30% to get started.

📊 Your affordability – Think about what monthly payment would actually be comfortable for you, rather than simply looking at the maximum a lender might offer.

📈 Your credit history – Keep on top of your payments and avoid taking on unnecessary credit before applying for a mortgage.

💷 The additional costs – Remember that buying a home involves more than the deposit. You may also need to budget for things such as solicitor's fees, surveys, mortgage fees and moving costs.

Getting these areas in shape now could put you in a much stronger position when you're ready to make your move. 🏠

If buying your first home is on your plans, SPD Mortgage Solutions can help you understand what you need to prepare and what options may be available to you.

📲 01223 398075
📧 [email protected]
🌐 www.spdfinancial.co.uk

12/10/2026

Technically, yes. But the bigger question is: should you?

A Will is one of the most important legal documents you’ll ever make, and getting it wrong can have consequences for the people you leave behind.

A DIY Will or poorly drafted document could mean:

⚠️ Your Will isn't legally valid
⚠️ Your wishes aren't carried out as intended
⚠️ Your family faces unnecessary delays and complications
⚠️ Your estate becomes more difficult or expensive to administer
⚠️ Family disputes arise over what you intended
⚠️ The people you wanted to benefit don't receive what you thought they would

Your Will isn't the place to take unnecessary chances. Professional advice can help ensure your wishes are properly considered, documented and legally valid.

A few minutes saved now could create years of problems for your loved ones later.

📞 Speak to SPD Wills & Trusts about putting your Will in place properly.
🌐 www.spdfinancial.co.uk

09/10/2026

Recent research highlighted by Employee Benefits ranked Private Medical Insurance as the UK’s most desired employee benefit, with 66% of UK workers saying they want their employer to invest more in employee benefits.

So, why is PMI becoming so appealing?

⏱️ Faster access to healthcare – PMI can provide access to private consultations, diagnostics and treatment, depending on the policy.

👨‍⚕️ Greater choice – Employees may have access to a wider choice of specialists and private healthcare facilities.

💙 Peace of mind – Knowing that private healthcare is available if they need it can be a valuable benefit for employees and their families.

💼 A benefit businesses can use to stand out – With employers competing to attract and retain talented people, offering PMI can add real value to an overall benefits package.

If you're considering Private Medical Insurance for your employees, SPD Financial can help you explore the options available.

📲 01223 398075
🌐 www.spdfinancial.co.uk

08/10/2026

Just because a lender is prepared to offer you a certain amount doesn’t necessarily mean you should borrow the full amount.

Lenders assess affordability based on your income, outgoings and financial commitments, but you know your lifestyle and future plans best.

Taking the maximum available could leave you with less disposable income each month for things like:

💷 Saving for the future
🏡 Home improvements and unexpected costs
🚗 Cars and other expenses
🌴 Holidays and enjoying life
👶 Changes in your circumstances
💰 Building up an emergency fund

A mortgage is a long-term commitment, so it’s important to find a balance between what you can borrow and what you’ll actually feel comfortable paying back.

At SPD Mortgage Solutions, we can help you understand your borrowing options and consider what could be sustainable for your circumstances, rather than simply focusing on the biggest number a lender will offer.

Because the maximum mortgage isn't always the right mortgage.

📲 01223 398075
📧 [email protected]
🌐 www.spdfinancial.co.uk

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

07/10/2026

Your family’s future matters. 💙

From kids’ clubs and gym memberships to family holidays and everyday essentials, the costs of raising a family can quickly add up.

But what would happen if the worst did happen and your income suddenly stopped?

Life insurance and protection can help provide a financial safety net for the people who matter most, helping your family maintain the lifestyle you’ve worked hard to build.

It’s not about expecting the worst. It’s about being prepared for it. 🛡️

📲 [email protected]
🌐 www.spdfinancial.co.uk

06/10/2026

🍂 A fresh season, time to get organised.

There’s no need to put it off or spend hours figuring out where to start. Booking an appointment with SPD Wills & Trusts takes just a few minutes.

You can book a 30 minute phone appointment online today. A simple first conversation to discuss your circumstances, understand your options and find out what steps may be right for you.

📅 Book your 30-minute phone appointment online today.
🌐 https://loom.ly/4d8C_TE

05/10/2026

🎁 Christmas is coming, so why not make a referral worth £50?

A referral is one of the highest compliments we can receive. If you have friends or family who could benefit from our services, we’d be grateful for the introduction.

As a thank you, we’re offering a free £50 e-voucher for every new referral that proceeds through SPD Financial Group.*

Here’s how it works:

1️⃣ Head to our website using the link below.
2️⃣ Fill in the referral details.
3️⃣ Once your friend proceeds with their protection, we’ll send your £50 e-voucher straight to you!

It really is that easy. 🎄

Know someone who could benefit from our advice? Start your friends & family referral today 👇

🌐 https://loom.ly/D3pXZJE

* You’ll receive your e-voucher once the referee’s protection is in place. T&Cs apply.

02/10/2026

If you’re hoping to move home before Christmas, now is the time to start thinking about your mortgage.

While every purchase is different, the process can take several weeks to several months from getting your mortgage Agreement in Principle through to completing on your new home. Delays can happen at various stages, so leaving everything until the last minute could mean missing out on your ideal moving date.

Getting your finances and mortgage arrangements in place early means you can start your property search with a clearer idea of what you can afford, and be ready to move quickly when you find the right home.

So, if Christmas in a new home is the goal, don’t wait until December to start the process. 🎄🏡

Get in touch with SPD Mortgage Solutions and let’s get you moving.

📲 [email protected]
🌐 www.spdfinancial.co.uk

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

Address

1234 Waterbeach
Cambridge
CB259RP

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441223398075

Website

https://spdfinancial.co.uk/

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