Categories
SPV Mortgages | Are They Worth It?
Special Purpose Vehicle (SPV) mortgages provide landlords with a powerful alternative to personal buy-to-let mortgages when building a property portfolio, but how do they work and what are their advantages? At Clifton Private Finance we have the answers. To speak to a specialist about arranging yo...
Commercial Mortgage Rates
Commercial mortgages are a vital source of finance for British businesses looking to purchase or expand into new premises. But finding a suitable product and navigating commercial mortgage rates can be tricky - here's how we can help. Written by: Sam Hodgson There are some key differences bet...
Supply Chain Finance | Everything You Need to Know
Supply chain finance is gaining traction as a smart solution for businesses looking to strengthen supplier relationships and keep operations running smoothly. Written by: Sam Hodgson This niche financial solution can provide a means to pay your invoices early, mitigate invoice payment delays,...
How to Get a UK Expat Mortgage
How does a UK expat mortgage differ from a standard UK resident mortgage? We cover some of the challenges British expats commonly face when seeking UK property finance and what to expect if you decide to return to Britain. It's true that applying for a UK mortgage as an expat can be more compl...
How Long Should I Fix My Mortgage For?
Understanding how mortgage interest rates and the difference between fixed rate deals and variable rate mortgage can be difficult - there’s a lot to get your head around. Key Takeaways Think about your personal need for stability: Fixed-rate mortgages offer stability in monthly paymen...
Pub Finance | 10 Loan Types Compared
Running a pub is an extremely rewarding business. Many pub landlords enjoy living above the main bar area, combining work and home to create a unique lifestyle of social engagement and profit. At Clifton Private Finance we have specialists experienced in the finer nuances of pub ownership and we&r...
Small Business Loans UK - 5 Things To Know
Statistics published by the UK government at the tail end of 2023 show that out of the 5.6 million private sector businesses in the country, 5.51 million of them are classed as ‘small businesses’, meaning they have less than 50 employees. Given that 95.4% of private sector companies are...
How to Apply for a Business Loan - 9 Steps
At Clifton Private Finance, we work diligently every day to help our clients secure the funding they need to grow their business. One area in particular where even the best business leaders can stumble is with the process of a loan application. In this guide, we take you through the 9 steps t...
Franchise Finance | 3 Best Options Compared
Opening a franchise is a secure way to own a business - and, more importantly, a profitable business. Franchise finance can help with hiring staff, purchasing equipment, and managing cash flow. Written by: Sam Hodgson Statistics published in a 2018 joint report between the Brit...
RESEARCH: Gardens and Property Prices | What the Data Says
New research reveals surprising patterns in access to gardens across UK cities, with affordability linked to more green space. Research from Clifton Private Finance has analysed data from Rightmove to calculate the percentage of homes for sale with gardens in the UK's citie...
NEWS: Are Mortgage Rates Going Down? [October 2024]
The Bank of England base rate has been reduced to 5% after being held at 5.25% for a year. What's next for our mortgages? Written by: Sam Hodgson The Bank of England has opted to maintain its base rate at 5.00%, signalling a cautious approach in its efforts to balance inflation control with e...
Asset Based Lending | Everything You Need To Know
For many businesses, asset-based lending is the best solution for capital needs. But what does an asset-based secured loan actually entail? At Clifton Private Finance, we have the answers. Written by: Sam Hodgson What is Asset-Based Lending? Asset-based lending, or asset-based loan...
UK Innovation Grants | The Complete Guide
Innovation grants are a fantastic way for businesses that undertake new scientific or technological developments to get funding. Written by: Sam Hodgson The path to obtaining an innovation grant is not an easy one but the reward is well worth the effort. At Clifton Private Finance, our team ...
Buy to Let Market Seeing Reductions – And it’s Just the Start
The buy-to-let mortgage market is seeing rates fall despite the Bank of England holding its base interest rate at 5%. Lenders are reducing rates to stay competitive - which could benefit property investors. The base rate has been held at 5% for now, but mortgage rates are continuing to drop followi...
Government Start Up Loans | How They Work
One of the questions that many people considering starting a new business ask is: ‘what financial help is there?’ Thankfully, the answer to that is: ‘lots’. In the UK, one of the first places people might like to consider looking is to the government itself, in the form of ...
How to Value a Business
Understanding the worth of your business is a complicated calculation that may not have been considered in some time. When a situation arises where the financial value of your business is needed, it is often necessary to calculate the value from scratch. But how do you go about making a business va...
Can You Have Two Mortgages on One Property
Can You Have Two Mortgages on One Property? Yes, you can have two mortgages on one property - it's known as a second charge mortgage. It's a little more complicated than a yes or no, however, and in this guide, we explain what you really need to know about second charge mortgages, how they co...
Invoice Factoring vs Discounting: Options Compared
Invoice discounting vs factoring is a common debate for businesses small and large looking to raise finance against their unpaid invoices. Invoice finance itself represents a way for your business to weather the storm of invoicing terms - that 30-day or longer period between sending out an invoice ...
SaaS Finance | How To Get SaaS Funding & How It Works
Software as a Service (SaaS) companies have boomed in the last decade, leading to a host of new SaaS finance products that suit their unique needs. Because ultimately, getting the right funding for your business has a lot to do with the nature of your business. Finding lenders or investors that un...
Home Reversion Plans | What You Should Know
One of the equity release tools available to homeowners aged 65 and older is the home reversion plan, an arrangement where a portion of the house is sold but you retain the right to live in it until your death. It provides funds now, releasing equity on the house, and there’s no interest ac...
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 revo...
How to Compete Against a Buyer with No Onward Chain
The mortgage process is notoriously slow-moving — we explain how you can compete with cash buyers when you're facing an onward chain. Written by Luka Ball According to research from Zoopla, cash buyers now make up 30% of home sales in the UK. How can you compete if you’re usi...
Commercial Mortgage Deposit | Requirements Explained
Are you a UK business owner looking to purchase a commercial property? One of the first questions you'll need to answer is: how much deposit do you need for a commercial mortgage? As a specialist commercial mortgage broker, we offer tailored solutions with: Market-leading rates, up to 80% LTV (2...
How to Apply for a Mortgage When Retired
Getting a mortgage once you are older can be a more difficult prospect, but it’s not impossible. With a range of mortgage products designed specifically to facilitate property purchase and equity release for older people, obtaining a mortgage once you are over 65 is achievable - provided you ...
HELOC (Home Equity Lines of Credit) | What You Should Know
One of the most powerful finance options available to homeowners in the UK is the HELOC, or Home Equity Line of Credit. A product that releases equity in your home in a flexible and manageable way, HELOCs have been common in the US for decades, but are only recently seeing popularity in the UK, whe...
BoE Holds Base Rate at 5% | What it Means for Your Mortgage
On Steptember 19th, The Bank of England has held the base rate at 5.0%, following a 0.25% drop in August. Although just a quarter of a percent reduction, that marked the first rate drop since 2020 when rates reached an all-time low. It signalls a cautious approach in the BoE's efforts t...
Mortgages for Older People
Once you reach 55, the landscape for obtaining a mortgage changes considerably, and the closer you are to retirement age (or beyond), the harder it seems to be to get a mortgage. However, with a huge range of specialist products designed specifically for older people, the truth is that the mortgage...
Homeowner Loans | Best Options Compared
When you are looking for personal finance, one question that comes up fairly quickly is ‘are you a homeowner?’ - but why does owning a home make you a better prospect for getting a loan? At Clifton Private Finance, we work constantly to try to find the best loan deal for our customers, ...
Let-to-Buy Mortgage | What You Should Know
If you are looking to rent out your home and buy another property to live in, then a let-to-buy mortgage is the perfect product. Designed to switch your mortgage from a standard residential mortgage to a landlord-appropriate buy-to-let, and allowing you to obtain a residential mortgage for a new pr...
Mortgages for Teachers
Whether you're a newly qualified teacher or a seasoned educator, understanding how to leverage your professional status for a mortgage can potentially qualify you for higher loan amounts. In this comprehensive guide, we'll explore the key aspects of mortgages for teachers in the UK, including: S...
Mortgages for Veterinarians | The Complete Guide
Are you a veterinarian looking to secure a mortgage in the UK? Your career offers unique advantages when it comes to property financing. Whether you're aiming to buy your first home, upgrade to a larger property, or invest in your own veterinary practice, understanding how to leverage your professio...
New Build Mortgages - Everything You Need to Know
When buying a newly built home in the UK, securing the right mortgage is crucial. New build mortgages, designed for properties that have been recently constructed or converted, come with specific features, benefits, and challenges. To navigate this process confidently, you'll need to understand eve...
No Early Repayment Charge Mortgages: How to Get One
Are you looking for a mortgage that won't penalise you for paying it off early? A mortgage with no early repayment charge might be just what you need. We are experts in sourcing mortgage finance on residential and buy to let property transactions in the UK - We provide high quality mortgage solutio...
Interest Rates Below 4%: Autumn Posed for Boosted Buying Activity
We are finally seeing mortgage rates below 4%, the most affordable deals since Spring 2023. In our overview of the latest news, we explore what to expect from the UK housing market in the coming months. Written by: Luka Ball Mortgage rates in the UK have fallen, with the average five-year fix...
How Does Equity Release Work When You Die
Equity release represents a range of arrangements that allow you to leverage your home to obtain funds while still living in it. It includes such products as lifetime mortgages, retirement interest-only (RIO) mortgages, home reversion plans and HELOC (Home Equity Lines of Credit). With each of t...
Are Retirement Interest Only RIO Mortgages a Good Idea
Retirement Interest-Only (or RIO) mortgages provide a way for those in their retirement to purchase new property or use the equity in an existing home for other uses - but are they really a good idea or best to be avoided? At Clifton Private Finance, we dig deep to find out the real story behind RI...
How Do Business Loans Work?
You know that you need capital for your business, you know that you can get a loan to help, and you know that it means having to pay back money over time, but really, how do business loans work? At Clifton Private Finance, we’re here to tell you. How Business Loans Work - The Bas...
What Is Trade Credit & How Does It Work?
Businesses whose primary customers are other businesses (known as business-to-business or B2B companies) typically engage in an arrangement of trade credit. Whether formal or informal, this system allows for work to flow between companies without being stifled by cash flow issues or administrative ...
Startup Funding | The 5 Best Options
Startup funding can be a bottleneck hurdle for an already complicated process - starting a new business. Turning your lofty dreams of business ownership into a reality needs a combination of determination, perseverance and, most importantly, capital. Raising the money needed for yo...
30-Year Mortgages | What You Should Know
In recent years, 30-year mortgages have gained significant traction in the UK housing market, particularly among first-time buyers; offering a lifeline to many aspiring homeowners. At Clifton Private Finance, our specialist mortgage brokers have been at the forefront of this trend, providing expe...
Business Loan Interest Rates - What You Should Know
Almost every business loan comes with interest - it’s one of the key costs to consider when taking out a loan. But it can be difficult to know when you’re getting a good deal on your business loan interest rate. Written by: Sam Hodgson Your interest rate is how much it costs...
Buying a Home at Auction | The Ultimate Guide
Buying a home at auction can be slightly intimidating. With property flippers and seasoned investors looking to pounce on bargain opportunities, it can feel a little daunting for first-time auction-buyers. In this guide, we cover absolutely everything you need to know about buying a home at a...
Invoice Discounting | 7 Advantages And Disadvantages
Invoice discounting is one of the two main types of invoice finance available for companies to leverage their accounts receivable and release funds early, but what exactly does invoice discounting do for you, and is it right for your business? Let’s look in-depth at the pros and cons of ...
Mortgages for Pharmacists: How They Work
Are you a pharmacist looking to secure a mortgage in the UK? Your career offers unique advantages when it comes to property financing. Whether you're aiming to buy your first home, upgrade to a larger property, or invest in your own pharmacy, understanding how to leverage your professional status ...
NEWS: Will House Prices Drop in the UK in 2024? [September 2024]
Will house prices go down in the UK? Interest rates have dropped, and purchasing activity has ticked up - here's our forecast for house prices in the coming months of 2024. Written by: Sam Hodgson High interest rates, escalating inflation, and the cost-of-living crisis caused a slump in the m...
Bridging Loan vs Mortgage: Which Is the Right Choice for You?
Bridging loans and mortgages are both primarily used for property purchases, but there are scenarios better suited to both types of property loan. The question is, which one would work best for you? Both types of loans are known as “secured loans”. They both require collateral, an ...
NEWS: Top 10 Regions With The Best Rental Yields in the UK
Where are the best places in the UK to invest in property? We explore the best rental yields in the UK for landlords, touching on the current rental landscape in Britain and what makes these areas, in particular, so great to invest in. Written by: Sam Hodgson Despite occasional fluctuations, ...
How to Get a Business Mortgage
Mortgages for businesses are extremely powerful funding tools that can propel your business forward in many ways. Owning your own property is a strong investment that can also keep costs down, improve business cash flow, and bring in an income. Table of Contents Commercial Mortgages for Business...
How To Get A Bridging Loan To Buy, Refurbish And Sell A House
If done correctly, property flipping can provide healthy returns. If you've found a 'fixer-upper,' you could use a bridging loan to refurbish and sell it. Unless you have a significant amount of cash at your disposal, you will likely need to borrow finance to fund the purchase and renovat...
NEWS: Best Place to Invest in Property 2024 Revealed
High rental demand and growing property prices – here's why Bristol has been named the best place to invest in property in the UK. Written by: Luka Ball According to Aldermore’s Buy to Let Tracker, Bristol has been named the Best City for Property Investment in 2024. The decision ...
IT Contractor Mortgages: How They Work
As an IT contractor in the UK, you're part of a thriving and innovative workforce. Your unique employment status offers flexibility and often higher earning potential. However, when it comes to securing a mortgage, traditional lenders may struggle to understand your financial situation. Your inco...
Mortgages for Accountants: How Much Can You Borrow?
As an accountant in the UK, your career offers financial stability and a promising future, making you an attractive candidate for mortgage lenders. Whether you're a trainee, a newly qualified accountant, or a self-employed professional, understanding the mortgage options available to you is crucial ...
How Commercial to Residential Conversions Work | Change of Use
What is a commercial to residential conversion? These construction projects present an exciting opportunity for SMEs and property developers in the UK. For over a decade, the country has not built enough homes to meet the ever-growing demand. This grim reality has had various eff...
How To Get A Multi Million Pound Mortgage
When you think of a multi million pound mortgage, you may think of London, but there's an increased demand for high value properties across the UK as a whole. Whether you're a first time homebuyer or an experienced property investor, getting a mortgage for such a large sum of money can be a dauntin...
Retirement Interest Only Mortgages | Clearly Explained
Obtaining a mortgage later in life can be difficult. As a lender’s primary concern is whether the borrower is in a position to repay the loan, age does become a key factor in decision-making, and being retired makes convincing lenders to approve mortgages very hard indeed. This isn’t j...
How to Use a Bridging Loan to Buy a House Before Selling Your Current Home
In an ideal world, we'd all wait to sell our old house before buying a new home. But in reality, it's not always possible: the market may be slow, a buyer may have dropped out, or you might want to do renovations before moving in. Short-term borrowing allows a financially-aware buyer t...
SME Finance | The Best Funding Options Compared
UK statistics show that over 99% of the business landscape is made up of small and medium-sized enterprises (SMEs), with over 5.5 million SME businesses in the country. It is of no surprise, therefore, that the market for finance products tailored for the needs of SMEs is so well developed. SME fin...
Mortgages for Engineers | How They Work
As an engineer in the UK, your expertise and career trajectory can open doors to specialised mortgage options. Whether you're employed, self-employed, or working as a contractor, understanding how to leverage your professional status for a mortgage is crucial. In this comprehensive guide, we'l...
How to Get an Optometrist Mortgage
Are you an optometrist looking to secure a mortgage in the UK? Your career offers unique advantages when it comes to property financing. Whether you're aiming to buy a home or invest in your own practice, understanding how to leverage your professional status for a mortgage is crucial. Let's expl...
Mortgages for Company Directors: How to Use Company Profit to Get the Size of Loan You Need
If you're looking at what mortgages are available for company directors, it's likely that you may need a mortgage lender to include your company's profits towards your affordability calculations. Written by Sam Hodgson A large portion of high street lenders won't accept your company pro...
How Much Does a Business Loan Cost?
Some business loan costs are clear, such as interest rates, and others are a little more niche. Here at Clifton Private Finance, we like transparency, which means we want our customers to be fully informed of any costs before proceeding with a loan that we advise on. theme-element?4192 Thi...
Business Loans For Limited Companies
If you're the director of an incorporated business, you may need access to a limited company loan to boost developmeny or support cash flow when times are tough. Limited company loans are a specialist type of business finance available to help limited companies. As a limited company,...
Purchase Order Finance
Growing your business often requires you to stretch to the very edge of your means. In some instances, this can mean accepting an order from a customer that requires a major investment in terms of stock that you cannot accomplish alone. The idea that you are sitting there with a trusted purchase or...
Revenue-Based Finance | What You Should Know
Among the alternative methods of funding, revenue-based finance (also called ‘royalty financing’) offers businesses access to non-dilutive capital without the risk of personal director's guarantees or the costs of interest rates. But what is revenue-based finance (RBF)? How does it work...
Growth Guarantee Scheme Loans Explained
In today's dynamic business landscape, access to capital is crucial for growth and innovation. The UK government's new Growth Guarantee Scheme Loans are set to revolutionise how small and medium-sized enterprises (SMEs) secure funding for expansion. This initiative, which replaces the successful R...
Ecommerce Finance | 8 Options Compared
Ecommerce is big business in the UK. With online and mobile transactions taking up more than a third of the overall retail sales in the country and growing. Ever since the COVID pandemic, e-commerce has become the go-to method of buying goods for most UK households, so it’s no wonder tha...
IPO Financing | How It Works
Moving from a limited company to a public one is one of the most significant stages of company growth in a business’ life. It is a very complex project that requires a considerable amount of business stability to undertake, and a core part of that stability is regarding the financial capacity...
What Are DSCR Loans and How Do They Work?
DSCR loans are becoming increasingly popular in today's market. Instead of using your credit history, your eligibility for a DSCR loan is calculated using the projected income of the assets you'll be purchasing with the loan. Written by Sam Hodgson Lenders and investors constantly seek to mitigate...
Which UK Banks Offer Expat Mortgages?
As a British expat dreaming of owning property back home, you might find yourself wondering which UK banks offer mortgages tailored to your unique situation. While securing a mortgage from abroad can be more challenging than for UK residents, several banks and building societies provide specialised...
How to Get Finance to Buy an Uninhabitable Property
Can you get a mortgage on an uninhabitable property? Before you start looking for finance, there are a few things you should know. Written by Sam Hodgson It’s the bargain of the century - a wreck which could be your dream home. Or it’s a profitable "doer-upper...
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. Written by Sam Hodgson 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 retur...
Mortgages for Actuaries
Are you an actuary looking to secure a mortgage in the UK? Your career path offers unique advantages when it comes to home financing. Leveraging your career's stability and potential for growth can unlock access to more favourable mortgage terms and higher borrowing limits. Whether you're employed...
How To Get A Second Charge Mortgage
Using a second charge mortgage, you can release funds from your property without changing your primary mortgage. Second charge loans, also known as secured or homeowner loans, are increasingly popular with homeowners looking for a way to raise capital for home improvements, pay off existing debt or ...
Expat Mortgage Rates | What You Need to Know
Expats looking for UK mortgages have a few more hoops to jump through than UK residents, but there’s nothing stopping UK nationals who live abroad from making good use of the UK property market. Here at Clifton Private Finance, we’re experts in getting the best expat mortgage rates - he...
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Bridging Loans: How Much Can I Borrow?
How much can you borrow with a bridging loan? Do you need a short-term finance solution to inject cash quickly without the waiting time of traditional longer-term borrowing? Short-term finance such as bridging loans can be a very helpful form of finance for the right borrower, depending on your cir...
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. You also usually pay: A monthly interest rate Valuation or survey fees Legal fees Broker fees Other admin fees, such as drawdown and redemption fees This might seem like a l...
Bridging Loan To Buy A House - Example Of How It Works
If you've found the property you want to buy and need to move quickly, one option is to use a bridging loan to buy a house. We look at some examples of how bridging loans can be used to buy property. How Can You Use a Bridging Loan To Buy a House? In the past 15 years, bridging loans have quickly ...
Unregulated Bridging Loans - 6 Things you need to know
Unregulated bridging loans typically offer more flexible loan terms and quicker turnaround times - but how else do they differ from regulated bridging loans? Unregulated bridging loans are short-term financial solutions commonly used to provide funding until longer-term financing can be secured or ...
NEWS: First Time Buyers Dominating London Market
London is seeing an increase in purchasing activity from first-time buyers despite high cost-of-living and homebuying costs. Here's how you can navigate the evolving London market. Written by Luka Ball According to new data, in 2023, London saw 181,000 first-time buyers purchase homes. This m...
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How to Get a Limited Company Buy to Let Mortgage
Is it better to buy a buy to let property through a limited company or special purchase vehicle (SPV)? Whether you're buying your first investment property, or are an established private landlord, the tax benefits of mortgaging your property through a limited company can be sig...
How to Get Refurbishment Finance for a Buy to Let Property
Buy to let refurbishment finance can empower you to take advantage of investment opportunities by providing funding quickly. You've spotted a fixer-upper that could generate handsome rental income with some TLC. Projects like this can offer huge ROI, but it can be difficult to get a mortgage fo...
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...
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. The UK property market is the...
HMO Mortgages – How To Finance An HMO Property
HMOs are still proving to be a lucrative investment today, but if you're looking to secure finance, expect different lending options for an HMO mortgage. The ROI returns can be impressive, but only a few specialised intermediary-only lenders will fund a foray into the multi-let market. If you've p...
What Is A Buy To Let Mortgage Stress Test And Will I Pass It?
A buy to let stress test is a process that most landlords go through when purchasing a property to rent. But how is it used, and how does it affect your mortgage eligibility? The stress income cover ratio (SICR) is the calculation lenders apply to determine your affordability of a buy to let (BTL) ...
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,...
How to Switch to a Buy to Let Mortgage
Switching to a buy to let from a residential mortgage can be daunting, especially if you’re unsure if you’ll pay any early repayment charges or mortgage set-up fees. But if it can unlock the rental potential of your current residential property and help fund your ambitions to move or go...
The 9 Best Places to Live in the UK | 2024
Moving to the UK? We've put together a list of the best places to live in the UK if you're an expat or foreign national, rated for affordability, lifestyle, work opportunities and overall happiness. Moving to a new country is a monumental decision that opens the door to fresh experiences, dif...
Property Market Update: Buyer Demand 11% Higher in 2024
In our property market update, research shows a renewed demand for property among property investors and first time buyers. In this article, we take a look at the key changes in the UK property market since 2023. Research across multiple lenders has shown that the new year brought a restored ...
NEWS: Why are House Prices Falling in Investment Hotspots?
House prices are beginning to fall and investment hotspots that were seeing the biggest growth before 2022 are now on a decline - we explain why. In the past year, house prices in the UK have fallen -0.2%, bringing the average house price to £263,800.That's £410 lower than a year ago. W...
NEWS: Is Investing in a Buy to Let Still Worth it in 2024?
Investing in a buy to let has the potential to generate high ROI through both rental income and building equity, but amid the current costs of owning a property, many are asking if being a landlord is still worth it. A number of landlords are expressing dissatisfaction with slim profits and rising ...
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...
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...
Mergers and Acquisition Finance
Mergers and acquisitions provide companies with essential methods to expand business and reduce competition, but how are these large financial endeavours funded? At Clifton Private Finance, our business finance team have the answers. theme-element?3825 Contents What Are Mergers and Acquisitio...
Can You Get a Mortgage for a Boat? | Options Compared
From canal narrowboats to sailing yachts, getting the funding necessary for buying a boat is within reach. Let us at Clifton Private Finance untangle the complexity of marine mortgages and boat finance. Contents Buying a Boat - The BasicsMortgages for Boats - 8 Things to KnowMortgage for a Bo...
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...
Remortgaging After a Bridging Loan | How it Works
Buying a property with a bridging loan and then remortgaging afterwards is a popular strategy for homebuyers and property investors alike. A bridging loan gives you the speed, flexibility, and 'cash-buyer status’ to snap up your dream property and beat the competition. As soon as you can ref...
Russia Ukraine Conflict: The Effects On The Mortgage Market
Russia’s war on Ukraine has already caused economic ripples across the globe, with stock markets experiencing volatility and the price of crude oil surging to over $100 a barrel. While it’s very difficult to predict the twists and turns down the road as the conflict develops, the f...
How to Get a Fast Second Charge Mortgage
You can access the equity in property you own – your home, a holiday property, a rental property or commercial premises – to raise money for a wide variety of purposes. And this kind of finance can be arranged in a matter of days. Written by: Sam Hodgson How Fast Access to a Secon...
