Specialist
Mortgage Service
For buying and remortgaging UK property
Speak to us today...
For buying and remortgaging UK property
Speak to us today...
2 Year Tracker Subsequent rate 6.99% LTV - 60% Product Fee £999 No valuation fee No Early Redemption Charges As of 8th February 2023 5 Year Fixed Subsequent rate 6.79% LTV - 60% Product Fee £999 Free valuation Early Redemption Charges - Yes As of 8th February 2023 10 Year Fixed Subsequent rate 6.99% LTV - 60% Product Fee £999 Free valuation £250 Cashback Early Redemption Charges - Yes As of 24th January 2023
2 Year Tracker
Up To £1.5 Million (Remortgage)
3.94% APR
APRC 6.5%*
5 Year Fixed
Up To £5m (Remortgage)
3.99% APR
APRC 5.8%*
10 Year Fixed
Up To £1m (Remortgage)
4.04% APR
APRC 5.1%*
*Overall Cost For Comparison
Our clients are by no means all high net earners with offshore holding companies.
But clients who have borrowing needs that are outside the tick-box do find that the bespoke, one-to-one service offered by a specialist mortgage advisor is particularly valuable.
High net worth borrowers might expect that the size of their income stream or the value of their portfolio holdings would mean that willing lenders will be queuing up to offer them deals at highly competitive rates.
In fact, the opposite is often true. If, along with your substantial earnings you’re also looking to buy a high-value property, the conservatism of traditional lenders may be revealed.
Many of them prefer to spread their risk over a number of lower-priced properties that will easily find buyers in any market, than to provide finance on a single million-pound-plus prestige property.
We can introduce you to private banks and specialist lenders who take a case-by-case approach to their underwriting decisions.
They can also look more favourably on clients with complex sources of income, as well as city employees, senior partners and equity holders who have “lumpy” bonus-related income.
See our blog:
How to get a large mortgage with multiple income sources
Professional clients such as doctors, lawyers, veterinarians and accountants are time-poor and may be comparatively modestly paid in the early stage of their careers.
But your structured career prospects mean that we can leverage your future earnings to get you more advantageous property lending now.
Read our blogs:
How to get a professional mortgage
The opposite problem applies for individuals working on a contract basis: they may have high earnings now, but their career progression and future earnings can look uncertain.
An experienced broker will take your mortgage application to the lender who will consider it most favourably, and present your earnings and experience in a context that gives them confidence.
Read our blog:
Mortgages for contract employees
We can source the best rates on mortgage finance for investors looking to do-up and rent out residential properties:
How to get a renovation mortgageOur renovation mortgage calculator
Or you may be buying a property already suitable for the rental market, including larger properties such as Houses in Multiple Occupation (HMOs), Large Houses in Multiple Occupation (LHMOs) (with five or more tenants in two or more households) and multi-unit properties (a number of self-contained flats in the same building).
Finance for buy to let landlords
Mortgages for multi-unit properties
Many property owners who come to us are looking to remortgage onto better lending rates:
Remortgage a London home to a new lender
Can I borrow more on my mortgage
Or you may want to take advantage of the equity you’ve built up in your property to release capital you can use for other purposes:
Remortgaging to raise a deposit to buy a second property
How to get second charge mortgage
Equity release: how to get money out of your home in retirement
Alternatively, you may be looking for new mortgage finance when you’re nearing retirement age, or already retired. We can find you a lender:
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
