For Buying & Refinancing UK Property
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We can secure competitive rates for:
Including shared office space for the growth in sole-trader businesses and SMEs, and co-working spaces. Forward-looking investors and developers are piggy-backing on the market growth led by the high-profile branded co-working spaces such as WeWork, developing sites such as BaseCamp Liverpool, The Assembly Manchester and Industry in Chester.
Read our blog: Development finance for office to residential conversion
The face of retail is changing, both on the high street and away from city centres, in housing and office developments. We work with entrepreneurial lenders who are ready to invest in newly developed opportunities.
The combination of residential with commercial premises has traditionally been problematic, but we have lenders who are keen to get involved in financing mixed-use properties, up to 75% LTV, and above, including residential above shops and restaurants.
Read our case study: Finance to develop flats above restaurant in Tooting London
We’re also experienced in finding finance for rural estates that include residential rental properties and small business premises in converted outbuildings:
Read our case study: Splitting land titles on a country estate allows purchase with residential and buy to let mortgages
The growth in off-the-high street and online retailing is offering more opportunities to investors looking for opportunities in acquiring and developing small industrial estates. And some of them are taking a more active role in encouraging synergies between the on-site businesses.
The decline in the formal UK restaurant market is leading to new opportunities for more relaxed and convenient food providers, including centralised takeaway hubs.
Meanwhile, the café market is still growing strongly, off the growth of the coffee economy: three coffee shops opening every day in the UK, with the number of coffee shops set to overtake pubs by 2030.
Lenders are keen to support developers stepping into these growth markets, including the development of food outlets on trading estates.
The changing face of the social care industry is making waves in the nursing and care home property market. Established care home operators face a pressing need to upgrade ageing properties, creating opportunities for developers buying up and converting old stock.
We have extensive experience sourcing finance on care home developments and conversions. Read our case studies:
Finance to complete a care home development project in south west London
Development finance to convert care home to 4 flats
Bridging loan to purchase and convert Swindon care home into flats
The complexities of portfolio investment property holdings calls for the detailed, personalised approach we take to the issues that our clients present.
Advising on portfolio finance is a particular strength of ours. Restructuring finance across your holding can free up unencumbered properties available as security for future finance. Read our blogs:
Facility to expand property portfolio
How to remortgage a buy to let portfolio
We work with numerous landlords who are exploring the investment advantages of acquiring or converting properties to accommodate more tenants and improve their ROI.
While we can’t advise you on the detail of licensing requirements, will be able to take your finance application to the lender who will look most favourably on your particular circumstances.
Read our blog: HMO Mortgages – How To Finance An HMO Property
Locating development land opportunities and acquiring planning permission is seldom a swift process.
We’re always ready to get involved at the outset, to scope out your finance opportunities and work with you throughout the stages of development, from feasibility study through to marketing and sales.
Short term commercial loan to purchase property & land in Reading for development
Bridging loan for Scottish wind turbine development
Our area of expertise in the property finance sector is providing specialist, individual advice tailored to each commercial client’s financial needs.
You won’t be offered a cookie-cutter solution.
Whether you need finance for a standard buy to let, an HMO or a mixed-use property, we have the expertise and depth of knowledge of the commercial property finance market to source the most appropriate funding for you:
We work closely with sources of finance not generally available to the retail market: private banks, specialist lenders, family offices and wealth managers who are often willing to provide commercial mortgages to applicants in a variety of circumstances.
Our independent commercial mortgage finance broker service offers:
We pride ourselves on delivering a cost-effective, individual and highly professional mortgage broker service. Call us now to arrange a first discussion of your situation:
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!
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.
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.
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.
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.
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.
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.
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.