Mortgage Advisor Online

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.

Contents

About Clifton Private Finance

Clifton Private Finance was founded in 2016 with a singular mission: to redefine mortgage advising for clients who need flexible, specialist solutions. Recognising the limitations of traditional brokerages in addressing complex financial scenarios, our founders identified a genuine need for specialist mortgage advice that provided a holistic, long-term and client-centric approach.

As an independent mortgage advisor online, we are not tied to any specific lender. This allows us to scour the entire UK market – from high-street banks to niche international lenders – to find mortgages tailored to your unique circumstances. Whether you’re self-employed, an expat, a high-net-worth individual, or navigating a challenging credit history, our team has the experience and lender relationships to turn complexity into opportunity.

Our Commitment to You:

FCA-Regulated Independence: Unbiased advice with full transparency – we work solely in your best interest.
Global Reach, Local Expertise: From London to Dubai, we’ve helped clients worldwide secure UK mortgages through secure video consultations and digital tools.
Future-Focused Solutions: We structure mortgages with flexibility in mind, anticipating life changes like career shifts, overseas moves, or portfolio growth.

Unlike traditional brokers, we streamline the process online, combining cutting-edge security with the personalised guidance you’d expect from a face-to-face meeting. Our advisors take the time to understand your long-term goals, ensuring your mortgage supports not just your current needs, but your future ambitions.

Our Online Mortgage Services

We help clients secure mortgages for a wide range of needs, including:

First-Time Buyer Mortgages
Mortgages for Expats & Foreign Nationals
Buy-to-Let & Commercial Mortgages
Personal residential mortgages
Landlord mortgages
Bad credit mortgages
Self-employed mortgages
Single and joint mortgages
Land development
Shop and retail mortgages
Remortgaging
Property redevelopment mortgages
Bridging loans
Rapid mortgages for auction properties

Recent Mortgage Case Studies

Mortgage Secured for US Nationals Purchasing a Second Home in the UK

Area: London | Capital Raised: £500k | Date: January 2025 Scenario: A US-based couple sought a £500k mortgage for a £1.6m London flat but faced scepticism due to their nationality and part-time residency plans. Solution: We secured a competitive 2-year fixed-rate deal with an international lender, enabling them to purchase their UK second home.

6x Salary First-Time Buyer Mortgage for London Home

Area: London | Capital Raised: £400k | Date: December 2024 Scenario: A couple returning from the US needed £400k for a share-of-freehold property but were rejected twice by mainstream lenders. Solution: We secured a 6x salary mortgage by focusing solely on the wife’s income and matching them with a lender accepting share-of-freehold agreements.

Let-to-Buy Mortgage for Clients Moving to Middlesex

Area: Middlesex | Capital Raised: £318k + £455k | Date: February 2025 Scenario: A couple wanted to retain their London home as a rental while purchasing a new residential property. Solution: We arranged a buy-to-let remortgage and a new residential mortgage, navigating maternity leave income challenges to secure both loans.

See All Mortgage Case Studies

Get Started Today - With Clifton Private Finance

Whether you’re a first-time buyer, expat, or navigating a complex income structure, our mortgage advisor online team is here to help.

Find out how much you could borrow and the best rate you could achieve with our free quote form:

We are an independent mortgage broker based in Clifton Village, Bristol, providing a comprehensive online mortgage advisory service.

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