Specialist
Fine Wine Finance
For buying and refinancing fine wine
Speak to us today...
For buying and refinancing fine wine
Speak to us today...
High quality fine wine finance solutions for UK & international clients.
We can deliver enhanced, bespoke or exclusive terms through our market knowledge.
Call us on 0203 900 4322 to discuss your requirements.
Buying a fine wine is a special event that requires careful preparation. Top wines like Lafite Rothschild, Romanée-Conti, and Screaming Eagle can fetch high prices, with costs ranging from £500 to over £100,000 per bottle. Whether you crave a scarce vintage, a distinguished appellation, or a highly-rated wine, finding the right financing can make owning an exceptional wine more attainable.
Making payments over time allows you to savour your dream wine today while paying for it progressively. Wine loans and leasing agreements are customised finance solutions that help make fine wines economical. With our assistance, you can choose the optimal financing option based on your budget and ownership objectives.
If you want to buy a fine wine in the UK, you have several finance options to pick from. Each option has its own characteristics, advantages and disadvantages. Depending on your personal and financial situation, you can choose the one that fits you best:
Wine finance is a form of leasing, where you pay a monthly fee to drink a wine, but you do not own it. The monthly fee is based on the loss of value of the wine over the lease term, and the residual value at the end of the lease. The residual value is the estimated value of the wine at the end of the lease, which is agreed upon at the beginning of the contract.
The benefit of wine finance is that you can enjoy a new wine without having to pay the full price upfront. You also have lower monthly payments than other finance options, as you are only paying for the loss of value of the wine.
Wine finance is similar to asset finance, which is a general term for leasing any kind of asset, such as vehicles, machinery, or equipment.
At the end of the lease, you have three options, you can either:
A wine loan is a form of credit, where you pay a deposit and then monthly instalments to buy the wine over a fixed period of time. The monthly instalments include both the principal and the interest, and the interest rate is usually fixed. The wine is the security for the loan, which means that if you fail to make the payments, the lender can take back the wine. This is similar to hire purchase, which is a type of asset finance that allows you to own the asset at the end of the contract, after paying a final option to purchase fee.
The benefit of a wine loan is that you can own the wine at the end of the contract, and you can choose the deposit and the duration of the contract to suit your budget. You also have the option to settle the loan early, by paying the outstanding balance and a small fee.
By partnering with wine financing experts like us at Clifton Private Finance, you can select the ideal agreement for your budget and goals. We’ll explain all the options in detail during a consultation.
When financing wines in the UK, discerning buyers have abundant options from the most prestigious wine regions. Some of the most sought-after wines that can be purchased with flexible payment plans include:
|
Region |
Wine |
Vintage |
Price |
Finance Option |
|
Bordeaux |
Lafite Rothschild |
2010 |
£8,500 per case of 12 |
Wine loan from £159.75 per month |
|
Burgundy |
Romanée-Conti |
2015 |
£19,000 per bottle |
Wine lease from £379.00 per month |
|
California |
Screaming Eagle |
2012 |
£3,000 per bottle |
Wine rent-to-own from £75.00 per month |
|
Champagne |
Dom Pérignon |
2008 |
£1,500 per case of 6 |
Wine PCP from £29.00 per month |
|
Tuscany |
Sassicaia |
2016 |
£1,800 per case of 12 |
Wine loan from £33.75 per month |
|
Rhône |
Château Rayas |
2007 |
£4,500 per case of 12 |
Wine lease from £89.00 per month |
|
Bordeaux |
Petrus |
2009 |
£32,000 per case of 12 |
Wine loan from £600.00 per month |
|
Burgundy |
Domaine Leroy Musigny |
2012 |
£24,000 per bottle |
Wine lease from £479.00 per month |
|
Champagne |
Krug Clos d’Ambonnay |
1998 |
£2,800 per bottle |
Wine rent-to-own from £70.00 per month |
|
Australia |
Penfolds Bin 60A |
2004 |
£4,000 per bottle |
Wine PCP from £79.00 per month |
Wine financing provides access to these investment-grade wines. By spreading payments over time, clients can own remarkable wines that might normally be out of financial reach. Our experts can source financing for both new and old wines through trusted lenders.
Wine financing offers a convenient way to acquire fine wines over time, but there are some essential factors that smart buyers should be aware of:
Keeping these key factors in mind will lead to the best outcome when financing fine wines. Our wine financing experts can provide guidance on managing these aspects of your purchase. We’re here to help you make the most informed decisions.
At the end of wine financing, clients have options depending on the original finance structure.
For a wine loan, the client can simply pay the remaining balance to gain full ownership. Selling the wine to pay off the loan is another possibility. The client could also refinance the balance on better terms. With wine leasing, the client can purchase the wine at the pre-set residual value, return it with no further obligation, or leverage accrued equity towards a new wine lease.
If the goal is ownership, a loan builds equity. If flexibility is paramount, a lease may be preferable. We can guide you in selecting the optimal wine finance solution.
Partnering with a specialist wine finance broker provides significant advantages for clients. The key benefits include:
As leading wine finance experts, we simplify the process so you can focus on finding the perfect wine. With many lenders at our disposal, we can find deals to suit your needs.
At Clifton Private Finance, we have a team of specialist finance brokers who can help you finance wines in the UK. We can work with wine merchants and producers to arrange your wine finance plan and finalise your purchase. We can also help you finance new, old, or bespoke wines, and offer the most competitive wine finance service for you.
To find out more about our finance broker service, don’t hesitate to contact us today. We offer a free and no-obligation telephone consultation at a time that suits you.
Call us today to discuss your requirements on 0203 900 4322
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
