UK Independent. Sourced. Primary. · Est. 2024

Spires Bridging Finance Limited | Mortgage Brokers | Kidlington | Est. 2016

Spires Bridging Finance Limited is a mortgage brokers registered in Kidlington, established 2016. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

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Spires Bridging Finance Limited

Mortgage Brokers · Kidlington, Oxford · Est. 2016

10 years
Active Trading
Active
CH Status
10463131
Company No
2025
Accounts to

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Company Registration Details

Registered company nameSpires Bridging Finance Limited
Companies House number10463131 →
Company typePrivate Limited Company (Ltd)
Registered address1 Alexander Close, OX5 2FG
City / RegionKidlington, Oxford
Date incorporated2016
Years trading10 years
CH statusActive
SpecialismRecorded activity: 64922, 64999 (financial intermediation not elsewhere classified)
Index statusClaim this listing →

About Spires Bridging Finance Limited

Founded in 2016, Spires Bridging Finance Limited has been active for 10 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

Oxford accounts for 13 of the 5754 mortgage brokers tracked on this index.

Always confirm current authorisation on the FCA register before proceeding; it also records past regulatory action.

What Mortgage Brokers Do

A broker translates your financial position into a lender match, handling product selection and the application itself. How much of the market a firm can search is a regulated disclosure, made before any recommendation.

Away from vanilla purchases, lender appetite varies widely, and matching case to lender is the skill being bought.

How to Choose the Right Mortgage Broker

Choose by case type: mainstream residential, buy-to-let, later-life lending and adverse credit are distinct specialisms. Establish early what the firm can access and how it has handled comparable applications.

Broker remuneration typically combines a lender-paid procuration fee with an optional client fee, both disclosable under FCA rules.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?
Direct applications are always possible but confine you to one lender's range. An intermediary compares products across many lenders at once, which tends to matter most where circumstances are non-standard: self-employment, credit history issues or unusual property.
How much does a mortgage broker charge?
Many firms are paid entirely by the lender through a procuration fee, so no client charge applies; others add a client fee, particularly for complex work. Whatever the model, it must be disclosed clearly before you commit.
What documents do I need to provide to a mortgage broker?
The standard pack covers ID, proof of address, three to six months of bank statements, income evidence appropriate to your employment type, and your current credit commitments; specific lenders add their own requirements.
How long does the mortgage process take when using a broker?
Timescales depend on the lender and case complexity: a few weeks for standard residential, longer for specialist or commercial. Ask the firm for a realistic estimate for your specific case.
Can a mortgage broker help if I have been declined by a lender?
Often yes. Post-decline placement is a recognised specialism: the task is matching your circumstances to a lender whose published and unpublished criteria accept them.

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Important notice: The information on this page is drawn from the Companies House public register. Kaeltripton.com operates as an independent directory and has no affiliation with Spires Bridging Finance Limited or any firm listed. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

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