Specialist
Jewellery Finance
For buying and refinancing jewellery and diamonds
For buying and refinancing jewellery and diamonds
High quality jewellery 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.
Purchasing a piece of jewellery is a special occasion that deserves careful planning. The price of jewellery can vary widely depending on the type, quality and design of the item. Whether you are looking for a diamond ring, a gold necklace, or a pearl bracelet, you want to find the perfect piece that suits your taste and budget.
However, for many people, paying the full price of jewellery upfront is not an option. This is where jewellery finance, or luxury asset finance, can offer a convenient solution. By applying for finance, you can spread out the cost of the jewellery over time through a loan or a lease. This makes jewellery more affordable and accessible, and allows you to enjoy your purchase sooner.
There are different finance options available for jewellery, each with their own benefits and drawbacks. Loans enable you to borrow money to buy the jewellery outright, while leases enable you to pay a monthly fee to use the jewellery without owning it.
With our help, you can find the best option for you based on factors such as interest rates, repayment terms, and tax implications.
If you want to buy jewellery in the UK, you have several finance options to choose from. Each option has its own characteristics, pros and cons. Depending on your personal and financial situation, you can choose the one that fits you best:
Jewellery finance is a form of leasing, where you pay a monthly fee to use the jewellery, but you do not own it. The monthly fee is based on the depreciation of the jewellery over the lease term, and the residual value at the end of the lease. The residual value is the estimated value of the jewellery at the end of the lease, which is agreed upon at the start of the contract.
The advantage of jewellery finance is that you can wear a new piece of jewellery 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 depreciation of the jewellery.
At the end of the lease, you have three options, you can either:
A jewellery loan is a form of credit, where you pay a deposit and then monthly instalments to buy the jewellery over a fixed period of time. The monthly instalments include both the principal and the interest, and the interest rate is usually fixed. The jewellery is the collateral for the loan, which means that if you fail to make the payments, the lender can take back the jewellery. 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 advantage of a jewellery loan is that you can own the jewellery 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.
When it comes to financing jewellery purchases, buyers have several flexible options beyond standard loans. Alternative financing methods can allow for lower monthly payments while still providing a path to ownership.
One option is a balloon loan. This is similar to a standard loan, but with lower monthly payments and a larger final "balloon" payment, usually 25-50% of the initial purchase amount. While this structure means less cash outlay each month, buyers need to prepare for that big final payment or refinance it.
Leasing agreements are another path that can minimise upfront costs. With a lease, you simply make monthly payments based on the jewellery’s value and useful lifespan. At the end, you can buy it outright, return it, or use accrued equity towards new jewellery. Leases avoid direct ownership but provide more flexibility.
A similar approach is a personal contract purchase or PCP. This also involves low ongoing payments, avoiding full ownership. When the term ends, you can pay the residual value and keep the jewellery, return it with no further obligation, or put the equity into a new purchase. PCPs enable lower instalments with multiple end-of-term options.
By understanding these alternatives to conventional loans, buyers can make jewellery ownership more accessible. Balloon payments, leases and PCPs each provide their own blend of affordability, flexibility and access to ownership.
At Clifton Private Finance, we can help weigh up appropriate options for you. We can get you in front of the right lender for luxury asset financing through our extensive network. Get in touch today for jewellery asset finance.
When financing jewellery in the UK, customers have a wide range of exquisite pieces to choose from. Some of the most desirable items that can be purchased with flexible payment plans include diamond engagement rings, gold necklaces, pearl bracelets, luxury watches, sapphire earrings, and cufflinks.
Customers have an abundance of exquisite, high-value pieces to select from. Here are some general examples of desirable jewelry above £25,000 that can be financed:
Diamond rings with exceptional quality diamonds, such as a 5-carat D Flawless emerald cut diamond ring set in platinum (£120,000) or a 10-carat Fancy Vivid yellow cushion cut diamond ring set in 18K white gold (£380,000).
Strands of natural pearls accented with precious metals and stones, like a necklace with 50 South Sea golden pearls and a platinum and diamond clasp (£47,500) or a bracelet with 30 Tahitian black pearls with an 18K white gold and emerald clasp (£36,000).
Bold gemstone pieces like a ruby and diamond pendant featuring an 8-carat pigeon blood ruby surrounded by 5 carats of diamonds set in 18K white gold (£65,000) or a sapphire and diamond bracelet with 30 carats of diamonds and 20 carats of vivid blue sapphires (£155,000).
Luxury watches such as a solid gold Patek Philippe Grand Complications (£220,000), an encrusted diamond Rolex Presidential (£475,000), or a sophisticated Vacheron Constantin skeleton watch in platinum (£140,000).
Lavish earrings featuring incredible gems like a pair of 4-carat total weight heart-shaped pink diamond studs (£180,000) or 12-carat total weight emerald cut tanzanite drops surrounded by pear cut diamonds (£65,000).
Ornate cufflinks including a pair in 18K white gold with a 6-carat sapphire cabochon center and 1 carat of round diamonds (£47,500) or platinum cufflinks with a vintage mother-of-pearl face and black enamel detailing (£36,000).
Luxury jewelry financing provides high-net-worth individuals and discerning buyers access to acquire one-of-a-kind, investment-grade pieces from the world's most prestigious jewelers. By spreading payments over time, customers can own these exceptional items that might otherwise be beyond their financial reach. With the assistance of financing experts, such as us at Clifton Private Finance, you can choose an optimal asset finance option from a network a specialist lenders.
At the end of a jewellery finance agreement in the UK, customers have options depending on whether they originally chose a loan or lease structure.
The end goal dictates the best closing option. Loans build ownership equity while leases focus on affordability and flexibility. With our help, UK jewellery buyers can select the ideal finance solution for their needs and budget.
If you are interested in financing jewellery in the UK, you might want to consider using a finance broker to help you with the process. A finance broker can help you find the best jewellery finance option for your needs and budget, as well as negotiate the best deal with the lender. A finance broker can also advise you on the different types of jewellery finance available for buying jewellery, such as interest free, low deposit, and bespoke solutions.
At Clifton Private Finance, we have a team of specialist finance brokers who can help you finance jewellery in the UK. We can work with jewellery retailers and manufacturers to arrange your jewellery finance plan and finalise your purchase. We can also help you finance new, used, or bespoke jewellery, and offer the most competitive jewellery 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
