Southern Pacific Mortgages Ltd

Southern Pacific Mortgages Ltd is a leading UK mortgage lender within the developing sub prime market.

Southern Pacific Mortgages Ltd mortgages are sold exclusively via financial advisers who package mortgage applications in readiness for underwriting.

Southern Pacific Mortgages Ltd currently markets mortgage products which cater for both the employed and self employed: the "Standard" mortgage for House Purchase or Remortgage; the "Right to Buy" mortgage for tenants wishing to purchase their homes from the Local Authority; and the "Buy to Let" mortgage for those purchasing residential investment property.

In the ever-changing mortgage market SPML have re-launched this year with the intention of using its high quality service and technological edge to develop and build on the relationships it has with various parties in the mortgage industry.

There are likely to be two main impacts on the overall lending market in the coming years. Firstly the welcomed onset of regulation, ensuring that borrowers receive the best advice and get the best deal for them and secondly the changing working environment where more and more people enjoy the personal benefits of self employment.

SPML aims therefore to offer attractive products that ensure two things, that the borrower can obtain a mortgage via an approved broker and that the broker is able to act swiftly and efficiently for the benefit of the borrower, using SPML’s own service standards.

SPML pride’s itself on the proactive way it approaches mortgage lending in the "Non-conforming" market. If, as a broker or packager, you agree with our philosophy then we should be working together now.

SPML is a member of the Council of Mortgage Lenders (CML) and wholeheartedly supports the CML’s Code of Mortgage Lending Practice.

Southern Pacific Mortgages Ltd
125 Kensington High Street
London
W8 5PA