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Confidential Invoice Finance | How It Works
One of the greatest concerns for many businesses looking for invoice finance, is the damage it could potentially have on their B2B client relationships. Understanding what the differing types of invoice finance are, and the subset of confidential invoice finance, will help you select the right prod...
Should You Get a Tracker or Fixed Rate Mortgage in 2025?
The base rate has dropped, and we're taking a snapshot of the best fixed and tracker mortgage product rates on the market today to see how they compare. Written by: Sam Hodgson Inflation has dropped, and it's possible we'll see mortgage rates reduced further before the year is out. Many are a...
How to Successfully Flip a House
The housing market offers many opportunities for profit. Alongside the long-term plan of investing in a property to rent out and eventually sell on many years later, is the short-term business strategy of buy-renovate-resell - taking a property that’s priced low because it’s in need of ...
NEWS: Are Mortgage Rates Going Down? [May 2025]
The Bank of England has voted to reduce the base rate to 4.25% on 8th May 2025. This choice is in line with the government's emphasis on building economic growth and stability in the UK. While the Bank of England previously maintained a hawkish stance on the base rate to reduce inf...
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Remortgage with Bad Credit | What You Should Know
Remortgaging is a standard part of your home-owning life, often used every few years to improve your deal, lower monthly mortgage payments if possible, and make sure you’re not paying too much interest. However, remortgaging involves a full affordability and credit check, which can make the...
Converting a House into Flats - Finance Options & More
In the current UK property and rental market there’s a strong argument for converting larger houses into smaller separate homes in the form of flats. The population of the UK in 2000 was approximately 60 million, and it’s expected to grow to 70 million in 2026 - simply put, that&rsquo...
Equity Release Scotland | What You Should Know
Equity release is a popular product for retired homeowners across the UK, with an increasing number of people enjoying a more financially secure retirement by releasing the money locked in their homes. Subtle differences in culture and rules in Scotland, however, mean that there are some specific p...
Are Product Transfer Mortgages a Good Idea?
When your fixed-rate mortgage is coming to an end, your lender will usually offer you a replacement deal, known as a product transfer mortgage. This is typically the easiest route forward, transferring you seamlessly from your existing mortgage product (the fixed-rate term) to a new one without the ...
Inheriting a House: What You Need to Know
Inheriting a house can be extremely complicated. From the worry of inheritance tax to the potential for disagreements between family members, there’s a lot that goes on behind the scenes of a house inheritance that can make this financial windfall feel more like a burden than a benefit. In th...
Are Part and Part Mortgages Worth It?
Specialist mortgage products exist for many reasons, providing customers with tailored solutions that fit a niche need. One of these is the part and part mortgage, a combination of repayment and interest-only mortgage structures that can provide lower monthly payments while still ensuring the proper...
Does a Student Loan Affect Your Mortgage?
When it comes to trying to work out how much purchasing power you have when looking to buy a house, it makes sense to look into your personal finances to see what might cause a problem - is your student loan one of those things? The answer is both yes and no. Yes, your student loan will affect your...
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The Mortgage Application Process Explained
It is normal to be nervous about a mortgage application. When you are looking to make a large and long time financial commitment to purchase a property, it is important that you understand the process and prepare properly. This makes the whole process smoother and gives you the confidence that you&r...
Mortgage Pre-Approvals | What You Should Know
Getting a mortgage isn’t a one-step process. When buying a house, it’s always helpful to know what your budget realistically is before you go shopping - after all, you may have some idea based on your deposit and income, but guesswork is a lot less secure than an actual agreement from a ...
Can You Repay Equity Release Early?
The short answer is, yes, typically you can repay equity release early. Many modern lifetime mortgages offer flexible or partial repayment options - however, early repayment charges (ERCs) may apply, and they can be significant. The ‘lifetime’ in ‘lifetime mortgage’ can crea...
How to Get a Mortgage with Bad Credit and a Good Income
If your credit history is poor, a mortgage can seem out of reach - but if you have the money to pay for it, shouldn’t you be able to find a lender? With Clifton Private Finance, the answer is a confident ‘yes’. Let us explain what you can do to get a mortgage with bad credit it wh...
Mortgage Affordability Checks | What You Should Know
A mortgage is a significant and long-term financial commitment, and mortgage lenders have a responsibility to assess the risk involved to make sure they’re not lending you money that you can’t afford to repay. A mortgage affordability check is simply a way that a lender can look at yo...
How to Build and Manage a Successful UK Property Portfolio
Transitioning from owning a single buy-to-let property to building a substantial property portfolio is a significant step for any landlord. It marks a shift towards property investment as a more structured business venture, offering potential for diversified income streams through rent, si...
NEWS: Will House Prices Drop in the UK in 2025? [April 2025]
Will house prices go down in the UK? The Bank of England base rate has dropped, but interest rates haven't changed significantly - we explain why and how it affects UK house prices. The 2025 housing market is off to a good start. Inflation has remained relatively stable since the Autumn Budge...
6 Best Places to Live in London - The Full Guide
London is one of the most popular places to live in the world. With access to globally renowned educational facilities and a thriving jobs market, London is naturally the most popular city in Britain to settle in. According to the UN, the UK is one of the top 20 happiest places in the world. If you...
What Happens to Your Mortgage if You Move Abroad
If you’re a homeowner planning to move abroad, you’ll be pleased to know that your mortgage won’t be affected significantly if you decide to leave the country. However, you will need to let your lender know and apply for a consent-to-let if you plan on renting your home out while ...
NEWS: Investing in London Property | Is Now a Good Time?
London’s once red-hot property market has cooled significantly in recent years, leaving investors wondering whether now is the right time to buy. The latest data suggests a mixed picture: while house price growth has slowed and profits for sellers have halved since 2016, upcoming shifts in mo...
3 Types of Second Home Tax and How to Plan For Them
The UK property market has long been a complicated investment landscape, with the likelihood of significant gains based on a strong history of property value increases, as well as a strong rental and holiday let potential. However, as the UK government seeks to address the housing crisis, taxation i...
NEWS: Spring Budget 2025 - How it Could Affect Your Mortgage
This year’s Spring Statement unfolded on Wednesday 26th March, and the British public are keen to understand how the latest economic measures will impact our finances. Chancellor Rachel Reeves pledged to maintain stability by limiting major fiscal changes to a single annual Budget. The result...
How Are Home Equity Loan Rates Calculated
Home equity loans, also known as second charge mortgages, are a powerful way for homeowners to make use of their greatest asset - their home. With a home equity loan, property owners can access large levels of finance to help them in other aspects of their lives, whether it’s for further inves...
What the Mortgage Proof of Deposit Is - And Why You Need It
The idea of falsely claiming to have a deposit on hand to obtain a mortgage is not one many of us would likely consider, but it is still something lenders have a responsibility to check thoroughly. A mortgage proof of deposit is an important part of making sure your mortgage application is smooth. ...
Is There a Maximum Age for a Mortgage in the UK?
The maximum mortgage age in the UK typically ranges from 75–85 years, depending on the lender. Options like shorter terms, joint mortgages, or pension income can help you secure a mortgage later in life. Clifton Private Finance can help when it comes to helping understand lender age caps, pens...
Joint Mortgage Paid by One Person | What You Should Know
When you take out a joint mortgage, it is treated as if you and your partner are one entity, equally responsible for repaying the mortgage and with equal ownership of the home. A core product for couples, joint mortgages have many advantages in the way they are assessed, bringing the power of two i...
BoE Keeps Base Rate to 4.5% | What it Means for Your Mortgage
The Bank of England has voted to keep the base rate at 4.5%, but could further cuts be on the horizon? In February, the Bank of England voted to reduce the base rate to 4.5%, a reduction of 0.25%. In March, it's voted to keep it the same. While this may be disappointing news for homeowners banking ...
NHS Mortgages | What You Should Know
Respect and support for key workers exists across all sectors of the UK, including that of the mortgage industry. This leads to unique mortgage options for NHS staff, with specialist NHS mortgages representing a superior deal with higher value loans and potentially better mortgage rates than are ava...
Are Farm Renovations the New Property Trend of 2025?
Renovating a farmhouse: dream development or a money pit? We look into the details of the UK's most popular conversion project. Farm renovations and barn conversions are emerging as some of 2025's most popular property trends. As farming processes evolved over the past century, more of our i...
100% Bridging Loan | How it Works
If you're looking for a bridging loan to cover the total amount of a property's value – you'll need a 100% bridging loan, or 100% LTV (Loan-To-Value) bridging loan. This means you don't need to put down any deposit for your bridging loan, and can borrow the full value of the property yo...
How to Get a Skilled Worker Mortgage
You may be wondering if you can buy a house in the UK on a skilled worker visa - and the answer is a resounding yes! There are some additional challenges, but it is very much possible with the right lender. A Skilled Worker Visa (also known as the Tier 2 visa before Decembe...
NEWS: A Guide to the Most Expensive Streets in the UK
Are you dreaming of living on one of the most expensive streets in the UK? Or perhaps you're just curious about what makes a truly prime property location? In this post, we take a tour of the streets with the highest average property prices in each area of the UK, according to recent data...
Remortgaging After Bridging Finance | How it Works
Bridging loans give you the power to buy property quickly, opening opportunities that a standard mortgage simply cannot provide. But bridging solutions are short-term finance that are designed based on an exit strategy that typically sees them paid off within a year. How is that done? The primary...
How To Remortgage A Buy To Let Property
You may be considering if the time is right to remortgage your buy to let property. You could find a better deal or release some equity for further property investment. Here we explore why you might want to remortgage a buy-to-let property (BTL), what considerations you need to make,...
Buying Property in London as a US Citizen: 9 Things You Need to Know
If you're interested in buying property in London as a US citizen, you're not alone. And if you're wondering how easy it is to get a UK mortgage as a non-UK national, the good news is there are plenty of specialist lenders who will be willing to make you an offer. Written by: Sam Hodgson ...
How Do Mortgage Interest Rates Work?
Your mortgage interest rate is one of the most important factors to consider when buying a home - so how does it work? Interest is charged on every pound you borrow, so the higher the rate, the more you’ll pay back. If you're applying for a mortgage, it’s a good idea to understand the ...
A Guide To Bridging Loan Interest Rates
Bridging loan interest rates - how do they work and what can you do to keep costs down when using bridging finance to fund a property purchase? Bridging loans can be an excellent way to finance property and are often best suited to circumstances that demand speed and flexibility. theme-element?4...
Is Bridging Finance a Good Idea?
Generally speaking, bridging loans are a good idea so long as you fully understand the costs and risks weighed up against the benefits they provide to your property transaction, and ideally work with an independent adviser, such as ourselves, to walk you through the process before you commit to a lo...
Can I Buy a House in the UK from Abroad? | 2025 Insights
There are a lot of myths and misconceptions about buying a house in the UK from abroad. Is it possible? The answer is a resounding YES. You might be a non-UK national looking to invest in the UK property market or an expat looking to buy property while you work overseas. Whatever your circumstances...
How to Get a Limited Company Buy to Let Mortgage
It has become more challenging to turn a profit as a landlord in recent years, but using a limited company buy to let mortgage could help you save and boost your margins. Here's how you could get one.. Written by: Sam Hodgson Whether you're buying your first investment property, or ...
What is Gazumping? 5 Ways to Avoid It
Being gazumped when buying a house is more than just frustrating - it can be financially and emotionally devastating. The strange, almost comic-sounding word ‘gazump’ is believed to come from the Yiddish ‘gezumph’, meaning to be cheated or overcharged - but there’s noth...
How much deposit do you need for a buy to let?
How Much Deposit do you need for a Buy-to-Let? You typically need a 25% deposit for a buy to let mortgage. However, some lenders will approve loans with 20%, or even 15% deposits, but they usually come with higher interest rates and/or product fees. To get a free comparison of the best opti...
Finance for Tech Companies | 10 Unique Options
Technology companies sit in a unique and modern financial position that comes with its own funding challenges. Often, a tech company requires significant upfront capital and investment to get off the ground, with considerable research, development, and marketing needs. With a business model that m...
Is Renovating Still Profitable in 2025?
The UK housing market has long been a haven for property renovators looking to turn a profit. But in 2025, with mortgage rates still relatively high and increased material costs, many are questioning if the renovation boom is finally slowing down. One of the biggest challenges facing renovators tod...
The Ultimate Guide to Buying Property in St John's Wood
St John's Wood stands as a prestigious and sought-after neighbourhood, favoured by affluent families, successful professionals, and international buyers seeking a blend of urban sophistication and leafy tranquillity in Prime Central London. This comprehensive guide explores St John's Wood's propert...
The Ultimate Guide to Buying Property in Regent's Park
Regent's Park, a crown jewel in London's property landscape, offers an unparalleled blend of regal history, verdant open spaces, and prestigious residences. This iconic area, home to the eponymous Royal Park, London Zoo, and world-class cultural institutions, has long been a magnet for discerning bu...
The Ultimate Guide to Buying Property in Maida Vale
Maida Vale, a charming and sought-after neighbourhood in West London, offers a unique blend of tranquil residential streets, picturesque canals, and excellent transport links. Known for its elegant Edwardian and Victorian architecture, tree-lined avenues, and the famous Little Venice area, Maida Val...
The Ultimate Guide to Buying Property in Kensington
Kensington stands as a vibrant and affluent neighbourhood, long favoured by young professionals, celebrities, and wealthy families seeking the epitome of luxury living in Prime Central London. This comprehensive guide delves into the area’s property market, exploring pricing trends, rental yi...
The Ultimate Guide to Buying Property in South Kensington
South Kensington stands as one of Prime Central London's most desirable neighbourhoods, renowned for its grand Victorian and Edwardian architecture and proximity to iconic cultural destinations. Favoured by affluent individuals, this upscale area offers a unique blend of historic charm and modern ...
The Ultimate Guide to Buying Property in Notting Hill
Notting Hill: a vibrant jewel in the heart of Prime Central London (PCL), celebrated for its picturesque streets, dynamic cultural scene, and prestigious properties. Here, in this detailed guide, we at Clifton Private Finance will walk you through an in-depth look at the local property landscape. E...
The Ultimate Guide to Buying Property in Holland Park
Holland Park's unique blend of natural beauty, historic charm, and urban sophistication makes it an enduring favourite in the Prime Central London property market. Despite recent market fluctuations, the area's fundamental appeal remains strong, offering excellent opportunities for both homeowners a...
The Ultimate Guide to Buying Property in Knightsbridge
Knightsbridge is quintessentially prime central London (PCL), epitomising luxury and exclusivity in one of the world's most desirable residential property markets. At Clifton Private Finance, we proudly guide discerning clients through the nuances of this prestigious market, providing tailored fina...
The Ultimate Guide to Buying Property in Belgravia
Belgravia, one of London's most exclusive and elegant neighbourhoods, offers an unparalleled blend of historic grandeur and modern luxury. Known for its white stucco-fronted townhouses, pristine garden squares, and prestigious address, Belgravia exudes sophistication and global allure. This compreh...
The Best Areas in Prime Central London for Property Investment
Prime Central London's allure as an investment destination is undeniable. While property values in the city centre are among the highest in the world, the area's enduring appeal, limited supply, and strong demand from affluent buyers contribute to its resilience and potential for capital appreciatio...
How To Invest in Prime Central London Property
The PCL property market has demonstrated remarkable resilience amidst economic challenges, positioning itself for a promising outlook in 2024. As the UK economy is expected to grow, putting the property market on a more optimistic track, the PCL sector has already showcased its strength. In 2023, ...
The Ultimate Guide to Buying Property in Mayfair
Mayfair stands as the epitome of luxury and exclusivity in Prime Central London. Favoured by high-net-worth individuals, this prestigious neighbourhood boasts world-class amenities. Such as: fine dining, bespoke tailoring, renowned art galleries, and lush parks, catering to a discerning clientele th...
The Ultimate Guide to Buying Property in Chelsea
Chelsea stands as a trendy and affluent neighbourhood, long favoured by young professionals, celebrities, and wealthy families seeking the epitome of luxury living in Prime Central London. This comprehensive guide delves into the area's property market, exploring pricing trends, rental yields, and...
The Ultimate Guide to Buying Property in Marylebone
Marylebone, a gem in the heart of London, offers a unique blend of village-like charm and urban sophistication. Known for its elegant Georgian architecture, chic boutiques, and proximity to some of London's most beloved green spaces, Marylebone has become one of the most sought-after residential are...
NEWS: The London Boroughs Climbing in Value Despite Property Slump
London’s property market shows a tale of two cities in 2025, with some areas witnessing unprecedented growth while others reveal steep declines. Against a backdrop of economic uncertainty, the market is offering unique opportunities for buyers, driven by notable price adjustments, increased s...
What is a UK Reverse Mortgage? | Explained
A reverse mortgage, or lifetime mortgage is one of a range of equity release products that allow those aged 55+ access the money locked into their home. At Clifton Private Finance, our equity release specialists are here to help you get the reverse mortgage you need, properly UK regulated and desi...
Distributor Finance | What You Should Know
Specialist business finance allows you to optimise your funding options to tailor solutions to your need - distributor finance is no exception. With a clearly defined goal of providing the funding required to secure stock for resale, distributor finance forms part of the suite of supply chain fina...
How To Get A UK Mortgage With A Foreign Income
Whether you're working abroad or a British resident earning in a non-pound sterling currency, applying for a mortgage with a foreign income can have its obstacles. Many high street banks will shy away from borrowers on a foreign income. Still, whether you're earning in Euros, Dollars, or Yen,&...
Unlocking Opportunities with 100% Development Finance
100% development finance can play a pivotal role in bringing ambitious property projects to life. It can provide the necessary capital for developers to acquire land and finance construction. Is it possible to find a lender willing to finance 100% development costs? Yes, but only if y...
How to Get a Joint Mortgage with a Non-UK National Partner or Spouse
Getting a joint mortgage where one partner is not a UK national can be challenging. We have a strong track record in matching international clients with the lending they need. Buying a home together is an exciting milestone, but for couples where one partner is not a UK national, securing a joint m...
What Deposit Do You Need For Bridging Finance?
Bridging finance is an important tool for flexible property purchasing, allowing you to move quickly in a vibrant marketplace, cutting through red tape to complete property purchases far more rapidly than with a mortgage. You generally need at least a 20% deposit, or, 'equity', for a bridging loan....
Lifetime Mortgages | A Down-to-Earth Guide
Retired homeowners can often feel financially frustrated. You’re sitting on a strong asset - your home - but the money is locked in it. Often, those in retirement are struggling on their pension, getting by but not enjoying their later years as much as they’d once hoped they would. Nee...
Tenants in Common Mortgage | 6 Pros & Cons
Houses are expensive and mortgages can be difficult to get - especially if you’re leaning on just one income. While married couples are typically catered for with joint mortgages that list both spouses as homeowners, are there other options? The answer is yes - a tenants in common mortg...
Interest Only Vs Repayment Mortgage: Which Is Best?
The main difference between an interest-only mortgage and a repayment mortgage are the way your monthly mortgage payments are structured. When buying a home, the two most common types of mortgage loans available are interest-only mortgages and capital repayment mortgages. An interest-on...
What Proof of Income Do I Need To Get a Mortgage?
It varies from lender to lender, but mortgage providers will require the following proof of income for your mortgage application: 1-3 of your most recent payslips Your P60 (for up to 2 years) Evidence of 2-3 years of bonuses if they're a significant chunk of your ...
Revolving Credit Facility | The Best Options Compared
A revolving credit facility, sometimes called a “line of credit”, is one of the more powerful tools available to businesses looking to manage their cashflow. But how does it work and what makes it different to the other types of business finance? More importantly - how can you use a rev...
NEWS: 1 in 3 Britons Find Mortgage Jargon Difficult to Understand
A new survey has revealed that 35% of Britons believe mortgage product names are difficult to understand, with many feeling uncertain about their knowledge of key financial concepts. The research highlights gaps in financial literacy in the UK, particularly among first-time buyers. Many feel overwh...
What Challenges Will Businesses Face in 2025?
Whether you’re a newly starting business owner, or a major corporation, 2025 is going to be a major turning point for businesses. So, what should business owners expect to face in 2025? At Clifton Private Finance, we’re here to offer expert, tailored advice to businesses of any size, wh...
Base Rate Drops to 4.5%: The Impact on Businesses
The Bank of England has cut the rate to 4.5% - we explain what this means for your business. The Bank of England has reduced the base rate to 4.5%, lowering the cost of borrowing and offering potential relief to businesses across the UK. This decision comes as policymakers aim to balance inflation ...
Can I Release Equity from My House Under 55?
Owning a home is a major financial milestone; especially if you manage to get your mortgage all paid off before you’re 55. However, it can also feel fairly frustrating, with all your money that represents a lifetime of hard work locked into your home. You may have heard of equity release pr...
Wholesale Finance | How It Works
Wholesale finance is how big businesses and financial institutions fund major projects, smooth business cash flow, and expand their operations. Rather than being a single product, wholesale finance is an umbrella term for many different products and processes that move capital on a global level, dri...
Can I Remortgage to Buy a Second House?
Yes, it is possible to remortgage to buy another property. In fact, remortgaging your current home is a common method of raising funds to purchase another property. If you’ve been repaying your mortgage for many years, you’ll have built up a chunk of equity in your home that you can&rsq...
Living In Dubai? 4 Ways to get a UK Expat Mortgage
If you're a British national looking to get a UK expat mortgage from Dubai, you may be wondering what's available for you. There are a variety of reasons you may want to purchase a property back home. It might be an investment, or you may be planning on returning to the UK. But you've probably...
How To Get A Professional Mortgage
As a professional with hard-won qualifications and a structured career path, you could be eligible for a professional mortgage to match. There are 8 ways you could be entitled to a better mortgage as a professional within an established industry. Some UK mortgage lenders offer prof...
How Does Property Development Finance Work?
Property development can be a lucrative venture, but it often requires substantial financial backing. Property development finance plays a crucial role in supporting developers looking to embark on construction or heavy refurbishment projects. It’s a sobering truth that the success of a build...
Everything You Need to Know About Business Car Finance
Getting a car for your business is not quite the same as obtaining personal car finance. With tax and accounting benefits, as well as slightly different structures that help with managing a fleet of vehicles, business car finance has its own nuances that are important to understand if you’re g...
How to Spot Equity Release Companies to Avoid
Approached sensibly, equity release is a powerful and potentially life-changing financial product. It provides retired homeowners with a way to release the money locked up in their property for use on other things - from helping struggling family members to having the holiday of a lifetime. The m...
Can I Remortgage Early On A Fixed Rate?
You're locked into a fixed-rate, and you've found a better deal. You'll be pleased to know that it's possible to remortgage early, but there are some hoops you'll need to jump through. You're considering switching your mortgage deal but are not yet at the end of your fixed-rate term. It's def...
5 Ways To Get Into UK Property Development For The First Time
When you apply for development finance, lenders will typically put a lot of weight on the success of your past projects, making it notoriously tricky to get into UK property development for the first time. You’re ready to join the 2.5 million property investors in the UK and start building yo...
The 8 Best Ways to Finance Home Improvements
Did you know that there's a range of different solutions designed to help you finance home improvements? We explain how each loan works and what circumstances they could be suitable for. You might be giving your property a total makeover or making changes to a rental property. Refurbishm...
How to Find and Download Tax Documents for a UK Mortgage
If you're self-employed and applying for a UK mortgage, you'll need to find and download the right tax documents for your application. Unlike with a 9-5, you won't have a payslip to use as proof of income when applying for a self-employed mortgage. Instead, lenders analyse your tax documents ...
A Guide to Bank Statements When Applying for a Mortgage
Whether you’re applying for a first time buyer mortgage, a buy to let mortgage, a development loan or any other type of property finance, you’ll need to provide your recent bank statements to your mortgage lender. In this guide, we look at why mortgage lenders ask for your bank sta...
Commercial Real Estate Finance
The world of commercial real estate has finance at its very core. It is through mutually advantageous funding products that businesses can grow through property development opportunities, leveraging existing equity to grow a strong portfolio that provides important investment as well as an ongoing r...
How To Get A UK Expat Buy To Let Mortgage
Getting an expat buy to let mortgage can be trickier than if you live in the UK - but it can be done. If you're a UK national living in another country, you may be trying to figure out how to finance a property back home. Perhaps you're looking to keep a house y...
How to Finance an Acquisition | Acquisition Finance
Acquisition finance refers to the funding solutions businesses use to purchase other companies, ranging from small-scale sole traders to large-scale corporate acquisitions. What are the various levels of acquisition finance and how are they obtained? At Clifton Private Finance, we have the answers....
Getting An Airbnb Mortgage: Everything You Need to Know
Since Airbnb first gained traction in the UK in 2015, it has become an increasingly lucrative way to rent property. But while the returns for this type of rental are high, securing an Airbnb mortgage isn't as straightforward as you might think. The Airbnb market is continuing to grow througho...
How To Get A UK Mortgage When Living And Working Abroad
It's certainly possible to get a UK mortgage while living abroad, but applying for a UK mortgage as an expat can have its challenges. Being based overseas makes it that bit harder for lenders to establish your earnings and check your credit history. Find the Perfect Expat Mortgage theme-element...
Structured Finance | How it Works
At Clifton Private Finance we work with companies at all stages of development, from startups through to multinational corporations. At the top end of the funding scale lies structured finance. But what is structured finance, and can it help your company leverage assets to generate substantial and...
My House Has Gone Up In Value: Can I Remortgage?
One of the most common reasons homeowners choose to remortgage is because the value of their house has increased. How does this process work? If you have more equity in your home than when you first took out your mortgage, you can remortgage to get a better deal with lower rates...
Can I Get A Mortgage For 5 Or 6 Times My Salary?
Is it possible to borrow more than 5 times your salary? Amidst high interest rates, mortgage affordability is on the mind more than ever. It’s not just hard-pressed first-time buyers who need to maximise their salaries' borrowing potential to get a toe-hold on the property ladder. Even...
Can I Borrow Against a Property With No Mortgage?
If you own your property outright, you might wonder if it's possible to secure a loan against a property with no mortgage. You'll be pleased to know that it is possible and a few options exist. So what are they? Many homeowners look to access cash to help get through extraordinary circumstances. Fr...
Applying for Retrospective Planning Permission: Is it Worth the Risk?
Retrospective planning permission is a common occurrence in the property development world. You may have made an honest mistake during building works and only realised afterwards you need permission. Or you may have discovered you can’t sell your house unless it matches the land registry recor...
Cash Flow Finance | 8 Options Compared
At Clifton Private Finance, we’ve supported a wide range of businesses through financial difficulties, help keeping them on top of day-to-day expenses to make sure everything runs as smoothly as possible. One of the main tools for doing so is cash flow finance, a range of funding products tha...
Equity Release to Reduce Inheritance Tax | Example
Inheritance tax has long been a burden on families looking to pass the fruits of their life’s work to their heirs - once the tax-free threshold has been passed, a full 40% of the remaining estate goes to HMRC. With property values rising and recent government policy changes squeezing tax reli...
How Much Does a Bridging Loan Cost?
Bridging loans typically cost 1-2% of your loan size, charged as an arrangement fee by your lender. Written by: Sam Hodgson You also usually pay: A monthly interest rate Valuation or survey fees Legal fees Broker fees Other admin fees, such as drawdown and redemption fe...
