Fine Wine Finance

For buying and refinancing fine wine

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Fine wine finance

Clifton private finance

We specialise in sourcing high value fine wine finance in the UK


High quality fine wine finance solutions for UK & international clients.

  • Finance from £25,000
  • Competitive fine wine finance that often outperforms dealer offers
  • Flexible finance options which includes: Personal loans, Personal contract Purchase (PCP), Hire Purchase, Lease Purchase
  • Tailored bespoke service
  • Refinance options
  • Flexible repayment periods
  • Finance available on new, used and auction bought wine
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Asset finance for fine wine

We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  

Call us on 0203 900 4322 to discuss your requirements.


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Fine Wine Finance

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.

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Different Finance Options Available for Wines

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

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:

Wine Loan

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.

Popular Fine Wines You Can Finance

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:





Finance Option


Lafite Rothschild


£8,500 per case of 12

Wine loan from £159.75 per month




£19,000 per bottle

Wine lease from £379.00 per month


Screaming Eagle


£3,000 per bottle

Wine rent-to-own from £75.00 per month


Dom Pérignon


£1,500 per case of 6

Wine PCP from £29.00 per month




£1,800 per case of 12

Wine loan from £33.75 per month


Château Rayas


£4,500 per case of 12

Wine lease from £89.00 per month




£32,000 per case of 12

Wine loan from £600.00 per month


Domaine Leroy Musigny


£24,000 per bottle

Wine lease from £479.00 per month


Krug Clos d’Ambonnay


£2,800 per bottle

Wine rent-to-own from £70.00 per month


Penfolds Bin 60A


£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.

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Essential Factors to Consider When Financing Fine Wine

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.

What Happens at the End of a Wine Finance Agreement?

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.

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The Benefits of Using a Finance Broker for Fine Wines

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.

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Call us today to discuss your requirements on 0203 900 4322


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