Specialist
Watch Finance
For buying and refinancing high-value watches
For buying and refinancing high-value watches
High quality watch 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 luxury watch is a special occasion that deserves careful planning. Top brands like Rolex, Patek Philippe, and Audemars Piguet can command high prices, with costs ranging from £5,000 to over £1 million. Whether you desire a precious metal dress watch, a diamond-set piece, or a high-complication timepiece, finding the right financing can make owning an exceptional watch more accessible.
Spreading payments over time allows you to enjoy wearing your dream watch today while paying for it gradually. Watch loans and leasing agreements are tailored finance solutions that help make luxury timepieces affordable. With our guidance, you can choose the ideal financing option based on your budget and ownership goals.
If you want to buy a luxury watch in the UK, you have several finance options to choose from. Each option has its own features, benefits and drawbacks. Depending on your personal and financial situation, you can choose the one that suits you best:
Watch finance is a form of leasing, where you pay a monthly fee to wear a watch, but you do not own it. The monthly fee is based on the depreciation of the watch over the lease term, and the residual value at the end of the lease. The residual value is the estimated value of the watch at the end of the lease, which is agreed upon at the start of the contract.
The advantage of watch finance is that you can enjoy a new watch 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 watch.
Watch 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 watch loan is a form of credit, where you pay a deposit and then monthly instalments to buy the watch over a fixed period of time. The monthly instalments include both the principal and the interest, and the interest rate is usually fixed. The watch is the collateral for the loan, which means that if you fail to make the payments, the lender can take back the watch. 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 watch loan is that you can own the watch 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 watch 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 free consultation.
When financing watches in the UK, discerning buyers have abundant options from the most prestigious luxury brands. Some of the most sought-after timepieces that can be purchased with flexible payment plans include:
|
Brand |
Model |
Material |
Price |
Finance Option |
|
Rolex |
Submariner |
Stainless steel with blue dial |
£7,950 |
Watch loan from £149.63 per month |
|
Rolex |
Daytona |
Yellow gold with diamond dial |
£79,950 |
Watch lease from £1,599.00 per month |
|
Patek Philippe |
Calatrava |
Rose gold with brown leather strap |
£21,950 |
Watch rent-to-own from £549.00 per month |
|
Patek Philippe |
Grand Complications |
Platinum with perpetual calendar and moon phase |
£99,950 |
Watch PCP from £1,999.00 per month |
|
Audemars Piguet |
Royal Oak Offshore |
Steel with black dial and chronograph |
£19,950 |
Watch loan from £374.63 per month |
|
Audemars Piguet |
Royal Oak Concept |
Titanium with tourbillon and minute repeater |
£399,950 |
Watch lease from £7,999.00 per month |
|
Omega |
Constellation |
White gold with diamond-paved dial and bezel |
£29,120 |
Watch rent-to-own from £729.00 per month |
|
Bvlgari |
Serpenti Seduttori |
Yellow gold, stainless steel and diamond |
£12,400 |
Watch loan from £233.25 per month |
|
Jaeger-LeCoultre |
Reverso |
Rose gold with dual time and moon phase |
£16,500 |
Watch lease from £329.00 per month |
|
Hublot |
Classic Fusion |
Ceramic with skeleton dial |
£13,600 |
Watch rent-to-own from £340.00 per month |
|
Breitling |
Navitimer |
Steel with blue dial and chronograph |
£10,250 |
Watch PCP from £204.00 per month |
|
IWC Schaffhausen |
Portugieser |
Steel with silver dial and annual calendar |
£14,500 |
Watch loan from £272.25 per month |
Watch financing provides access to these investment-grade timepieces. By spreading payments over time, clients can own remarkable watches that might normally be out of financial reach. Our experts can source financing for both new and pre-owned watches through trusted lenders.
At the conclusion of watch financing, clients have options depending on the original finance structure.
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 watch finance solution.
Partnering with a specialist watch finance broker provides significant advantages for clients. The key benefits include:
As leading watch finance experts, we simplify the process so you can focus on finding the perfect timepiece. 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 watches in the UK. We can work with watch retailers and manufacturers to arrange your watch finance plan and finalise your purchase. We can also help you finance new, used, or bespoke watches, and offer the most competitive watch 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
