Bristol Buy to Let Mortgage Broker

We are an independent mortgage broker based in Clifton Village, Bristol, specialising in buy-to-let (BTL) finance for landlords and property investors.

  • Based in Bristol
  • Independent Mortgage Advice
  • Regulated by the FCA
  • Award-Winning Customer Service
  • Large Network of Highstreet & Specialist BTL Lenders

Your Specialist Bristol Buy to Let Mortgage Broker

Clifton Private Finance is an award-winning, independent mortgage brokerage based in Clifton, Bristol. 

With access to the entire UK marketplace of lenders, we find the best deals and most appropriate finance for property investors across Bristol and the South West.

Whether you're a first-time landlord, a portfolio investor, or require finance for complex properties like HMOs and multi-unit blocks, we will find the best mortgage rates and work with you to ensure your application process is smooth and successful.

  • Based in Bristol
  • Independent Mortgage Advice
  • Regulated by the FCA
  • Award-Winning Customer Service
  • Large Network of Highstreet & Specialist Lenders

Recent Case Studies

Let to Buy Mortgage Case Study – Buying without Selling
Let to Buy Case Study – Buying without Selling
Area
Middlesex
Capital Raised
£318k + £455k
Date
February 2025
HMO Mortgage for LLP to Secure Buy to Let in Swansea
HMO Mortgage for LLP to Secure Buy to Let in Swansea
Area
Swansea
Capital Raised
£300k
Date
May 2024
BTL Mortgage Based on Overseas Income for Expat in Taiwan
BTL Mortgage Based on Overseas Income for Expat in Taiwan
Area
Reading
Capital Raised
£585k
Date
April 2024

See All Mortgage Case Studies

Why Our Customers Trust Us

A wide variety of clients find that the service offered by an independent, experienced mortgage broker is well worth the professional fee for the value of a mortgage arranged faster, on more favourable terms, or at a lower rate.

Here are 3 reasons our clients trust our advice and service.

Market-Leading Rates

We provide access to market-leading rates for every client, thanks to our relationships with a wide range of mortgage lenders.

bridging loans

Multi-Award-Winning Team

Our team of mortgage advisers have years of experience and are qualified to the highest level. We're proud to have numerous customer service awards to our name.

bridging loans

Fully Independent

As an independent brokerage, we focus on your best interests when comparing mortgages: from costs and terms to speed of service.

Our Experts

Our dedicated mortgage team are CeMAP qualified and have years of high-level advisory experience.

Meet The Team

Alex Chambers

Senior Private Client Adviser

Alex Morris

Alex Morris

Private Client Adviser

Fergus Allen

Head of Bridging CeMAP

How We Work

1. Get a Customised Quote

Our mortgage specialists will take a detailed look at your situation and what you're looking to achieve, and provide a sense-check on whether it’s achievable, what the best terms and rates look like across the market, and how we can help.

2. Secure A Decision in Principle

Within 24-48 hours depending on your urgency, we can have your Decision in Principle secured from the lender. You can present this to estate agents and sellers to showcase your buying power.

3. Submit Your Application

When you’ve had your offer accepted, we’ll submit your mortgage application, and the valuation process and legal work can begin. We'll act as a mediator between all parties, making sure the deal is progressing as efficiently as possible and smoothing out any complexities along the way.

4. Complete Your Purchase

We will keep you updated and informed until you receive funds from the lender and your purchase is complete. And for any queries you have throughout the course of your mortgage, we’re always here to help.

Speak to a mortgage specialist today

Make your property ambitions a reality and find out the full potential of your borrowing. We’ll guide you through the process and take care of the heavy lifting.

Book Appointment

Bristol Buy to Let Mortgage Broker

 

About Clifton Private Finance

How to Find us

Here's the address for our Bristol office - we're just around the corner from the suspension bridge.

Clifton Private Finance

2 Portland Street

Clifton

Bristol

BS8 4JH

Office Hours: Monday - Friday: 8.30am to 6pm

What Areas in Bristol do we Cover for BTL?

As specialists in the Bristol property market, we arrange buy-to-let finance for investment properties across the entire Bristol region and surrounding areas. We have extensive experience in key rental hotspots, including:

  • Clifton
  • Cotham
  • Sneyd Park
  • Redland
  • Leigh Woods
  • Long Ashton
  • Stoke Bishop
  • Bishopston
  • Westbury-on-Trym
  • Portishead
  • Henleaze
  • Bedminster
  • Brislington
  • Bristol City Centre
  • Harbourside
  • Hotwells 

Recent Bristol Buy to Let & Investor Case Studies

Here are some of our recent mortgage case studies for Bristol-based clients and property investors:

Let to Buy Mortgage Case Study – Buying without Selling
Let to Buy Case Study – Buying without Selling
Area
Middlesex
Capital Raised
£318k + £455k
Date
February 2025
HMO Mortgage for LLP to Secure Buy to Let in Swansea
HMO Mortgage for LLP to Secure Buy to Let in Swansea
Area
Swansea
Capital Raised
£300k
Date
May 2024
BTL Mortgage Based on Overseas Income for Expat in Taiwan
BTL Mortgage Based on Overseas Income for Expat in Taiwan
Area
Reading
Capital Raised
£585k
Date
April 2024

Our History

Clifton Private Finance was founded in 2016 in Bristol, with the ambition of filling a gap in the specialist property finance market left in the aftermath of the 2008 financial crash.

With brokerages throughout the UK shifting their focus towards conventional and risk-averse lending requirements, our founders identified a genuine need for specialist mortgage advice that provided a holistic, long-term and client-centric approach.

From landlords with complex portfolio structures to first-time investors needing guidance on rental yield calculations, we specialise in securing BTL finance in challenging and unique circumstances.

Our Bristol Buy to Let Mortgage Services

At Clifton, we help Bristol landlords and property investors with a wide range of buy-to-let mortgage requirements, including but not limited to:

  • Personal & Limited Company BTL Mortgages: Advising on the best structure for your tax and investment strategy.
  • Portfolio Landlord Mortgages: Specialist finance for landlords with four or more mortgaged properties, including portfolio remortgaging to release equity or consolidate borrowing.
  • HMO & Multi-Unit Block (MUFB) Mortgages: Securing finance for more complex, high-yielding investment properties.
  • Holiday Let & Airbnb Mortgages: Sourcing specialist mortgages for the thriving short-term let market in Bristol and the South West.
  • First-Time Landlord Mortgages: Guiding new investors through the process of securing their first BTL property.
  • Expat & Foreign National BTL Mortgages: Arranging finance for overseas clients looking to invest in the Bristol property market.
  • Refurbishment Finance for Landlords: Sourcing 'Bridge-to-Let' or refurbishment mortgages to fund the purchase and renovation of properties before letting them out.
  • BTL Remortgaging: Finding better rates when your current fixed-rate deal is ending or releasing equity for further investment.
  • Auction Finance: Providing fast bridging finance to secure investment properties at auction.

Get a Quote

Find out how much you could borrow for your Bristol investment property and the best rate you could achieve with our free quote form below:

Find the perfect mortgage

Frequently asked questions

You can find the most common questions asked about our services below. If you have a question that isn't answered here, please email us at helpdesk@cliftonpf.co.uk

Starting with us is simple. You can request a customised quote through our website, book a consultation with one of our expert mortgage advisors, or contact us directly at our Bristol office. Our team will assess your situation, provide guidance on the best mortgage options, and support you through every stage of the process.

Yes! While we are based in Clifton, Bristol, we provide mortgage services across the UK. Our expertise extends to assisting clients nationwide, including international buyers and expats looking for UK property financing. No matter where you are located, we can help you find the best mortgage deal to suit your needs.

The process typically begins with an initial consultation where we assess your financial situation and goals. We can secure a Decision in Principle (DIP) within 24-48 hours, depending on the urgency.

Once your offer is accepted, we submit your mortgage application, and the valuation and legal processes begin. The overall timeline varies, but we work efficiently to ensure a smooth and timely completion.

We can help with a wide range of mortgage solutions tailored to different client needs. Our services include residential mortgages, remortgages, buy-to-let mortgages, bridging loans, expat mortgages, bad credit mortgages, and mortgages for self-employed individuals.

We also assist with commercial mortgages, land development finance, and property redevelopment loans. No matter your situation, we work to find the best mortgage deal available in the market.

Clifton Private Finance is an independent, award-winning mortgage broker based in Bristol. Unlike many brokers who work with a limited panel of lenders, we have access to the entire UK mortgage market, ensuring we find the best rates and terms for your specific needs. Our expert team provides a highly personalised service, guiding you through the mortgage process smoothly and efficiently. Whether you have complex income sources, are an expat, or need a specialist mortgage, we can help secure the right deal for you.

Bristol Mortgage Broker

Let us do all the hard work of finding the right mortgage product for your circumstances. We secure mortgages for applications of all types, and we negotiate competitive lending to meet your needs and timescales.

Alex Chambers

Senior Private Client Adviser

Book a consultation and speak to one of our experts today