Mortgage and short-term development funding


Clifton private finance

We are experienced in raising development & bridging finance on residential and commercial property in Riviera resorts

We can source development & mortgage finance for projects on the Côte d'Azur:
  • Short term and mortgage finance from €2 million
  • Asset types - villas, apartments, hotels, apart-hotels, mixed use, office, retail
  • Up to 80% loan to value
  • Terms from 12 months to 25 years
  • Complex cases always considered
  • Finance for a variety of ownership structures including multiple SPV's, offshore SPV's, trust structures
Our strength is our ability to access a wide range of funding solutions from private banks, specialist lenders, family offices and wealth managers. We also have connections with private investor fund groups.
Call us on +44 203 900 4322 to discuss your requirements.

More about property opportunities in Villefranche below


Property Finance Deals

Bridging Loan and Refinance Arranged for Large Self Build | Case Study
Bridging Loan and Refinance Arranged for Large Self Build
Milton Keynes
Capital Raised
Bridging Loan with Multiple Drawdowns Secured for 18-Bed HMO Conversion
Bridging Loan with Multiple Drawdowns Secured for 18-Bed HMO Conversion
Capital Raised
Case Study: Complex Bridging Loan for Spanish Villa in Just 6 Working Days
Complex Bridging Loan for Spanish Villa in Just 6 Working Days
Capital Raised
Development Loan to Refinance New Build House
Development Loan to Refinance New Build House
Capital Raised
Fast Bridging Loan For Complex Development Project
Fast Bridging Loan For Complex Development Project
Capital Raised
Case Study: Securing £1.25m Buy to Let Mortgage for Development Finance Exit
£1.25m Buy To Let Mortgage Secured for Development Finance Exit
Capital Raised

More Opportunities »

Côte d'Azur Property Finance Service

Villefranche: the views of Cap-Ferrat with the charm of an authentic Niçoise town...

The Région Sud of Provence-Alpes-Côte d'Azur is unquestionably the most glamorous of France’s administrative regions, with elite real estate and development opportunities to match its spectacular geography.

It takes just four hours - by Maserati Granturismo - to descend from the ski resorts (second-highest in France) in its most northerly Hautes-Alpes départément down to the to the photogenic coastline which stretches from the Camargue in the west to Nice and the Italian border in the east.

Super-prime property

The stretch of this deeply scalloped Mediterranean coast, known as the “Côte d'Azur” to the French, or the “French Riviera” to the English, is the most famous in the world.

Former fishing villages now have front-row views of the world’s superyacht fleet (half of all the world’s superyachts will drop anchor off this shoreline in any one year). The star-studded resorts stretch from Saint-Tropez to Cannes, Juan-Les-Pins, Antibes, Nice and Villefranche-sur-Mer, Cap-Ferrat and Roquebrune-Cap-Martin, surrounding exclusive Monte Carlo tucked into its tax-free principality.  

"People buy here because of the climate, the sea, the stunning scenery, magnificent food and accessibility," says Tim Swannie, Director of Marseille-based luxury property specialists Home Hunts. "There are superb beaches and the Alps are just behind, so it is a real year-round destination."

The advantages of Villefranche-sur-Mer

In the centre of the glitzy Côte d'Azur, this commune is described as one of the most charming – if not the most charming – locations on the Riviera.

The Bay of Villefranche, encircled by the Cap of Nice and the iconic Cap-Ferrat is ranked as one of the five most beautiful bays in the world. Although only 5km from Nice it retains much of the charm of an authentic Niçoise fishing town, with narrow cobbled streets, waterside restaurants, and colourfully painted pointus tied up in the old harbour of la Darse.

Villefranche-sur-Mer surrounds the iconic Cap-Ferrat, where only 500 properties command prices up to 250 million euros. Only a fraction of those will come onto the market each year, according to Alex Balkin, executive director of Savills’ French Riviera office. "The peninsula tends to attract affluent buyers seeking trophy properties and many have no intentions of selling."

Meanwhile in Villefranche, properties available range from modest 1.27 million euro two-bedroom apartments to front-row 8.5 million euro Belle-Epoque villas.

State of the market

Prices on the Côte d’Azur are currently on a high plateau, according to Savills' market analysis.

Demand for the most desirable residential Côte d’Azur property comes from the international second-home market, and has more in common with other top-tier global locations than with the rest of France.

The market slowed significantly as a result of the global financial crisis in 2007, though there were few foreclosures.

In line with other prime markets, prices did improve in 2011 with buyers from merging markets (particularly the Middle East and Russia). The election of French President Francois Hollande  in 2012 dented confidence, and demand fell again in 2014 as a result of falling commodity prices and a slowing French economy.

The election of Emmanuel Macron in 2017, and a new tax environment, is seen as a turning point, according to Paul Tostevin, associate director of Savills World Research.

"Thanks to an improved national economy, demand is returning to the Côte d’Azur. However stock levels are high, meaning it is a buyer’s market."

According to Savills’ 2018 Spotlight: Côte d’Azur:

Visitors and rental returns

The Côte d’Azur has strong tourism appeal: 200 private beaches, 15 spas, 21 golf courses, 36 marinas and 17 casinos (including five in Monaco).

More than 10 million visitors come to the Riviera each year, staying a total of 65 million tourist nights.

Nice Côte d'Azur Airport, 34 minutes from Villefranche-sur-Mer, connects to 120 summer destinations, including 96 outside France.

Second-home ownership

Despite the range a quality of hotel and rental accommodation, approximately half of all tourist nights in the Côte d’Azur are spent either in second homes, or in homes belonging to friends and family, driving strong demand for residential purchase.

An all-year market

During the 19th century the Riviera “high season” (as established by aristocratic British and European visitors) was during the winter and spring months. It was only after the First World War and with greater numbers of Americans arriving that the “High Society” scene became a summer season.

A major part of the Riviera’s appeal is its classically Mediterranean climate: warm, sunny summers cooled by sea breezes, and mild winters protected from cold northerly winds by the mountains close behind it. Nice enjoys 147 days of sunshine a year (those Instagram shots haven’t all been flitered).

Who’s buying

In the luxury market:

Savills International Research

Backdoor investment opportunities

The Riviera’s property market has been boosted by falling prices inland, away from the prime coastal locations.

Locations such as Biot, Opio, Roquefort les Pins and Châteauneuf de Grasse offer buyers more for their money: more bedrooms, a larger swimming pool or more substantial grounds and greater privacy.  Tim Swannie, of Home Hunts luxury property search specialists, says “The beauty of a holiday home inland, aside from the financial savings, is that you can dip in and out of the coast, but not get caught in the busy summer traffic.”

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