Specialist

Private Bank Mortgages

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Private Bank Mortgages 

Clifton private finance

We specialise in sourcing private bank mortgages on residential and commercial property transactions in the UK

For private bank mortgage loans we work with selected private banks that work on a bespoke basis.

We can offer you private banking options providing:

Latest Case Studies


Call us on 0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

Bridge finance for Channel Islands resident to build new Guernsey home
Area
Guernsey
Capital Raised
£800K
£2.6M 100% LTV residential bridging loan secured against 3 properties
Area
Kent
Capital Raised
£2.6M
Fast UK Mortgage for home purchase for returning British expat and foreign national partner
Area
Bristol
Capital Raised
£980K
Finish and exit for £1.95M barn development
Area
Sussex
Capital Raised
£605K
UK expat mortgage for British doctor resident in Canada buying new-build London home
Area
West London
Capital Raised
£862K
Development exit finance before practical completion on 4 Suffolk houses
Area
Suffolk
Capital Raised
£924K

More Opportunities »

Contact Us

 Private Bank Mortgage Service

We can offer:

Our service provides creative solutions for large mortgage transactions. 
Call us on 0203 900 4322 to discuss your requirements.

The Challenge:
For larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.
Typically many high street lenders will cap lending at 70% to 75% LTV (loan to value) e.g. on a central London property for example priced at £5 million as a borrower you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but from an affordability perspective can easily afford to borrow at a high level.
The Solution:
The good news is that we work with private banks that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions which are tailored to a client’s needs.
For example many of our clients want to work on an interest only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million restricting the interest only portion to anything from 50% to 75% LTV.
We work with private banks that look at your full financial profile which means we can often source lending solutions that are purely bespoke.
Recent Case:
We were able to secure a 95% LTV mortgage on a £1.9 million property.
In this case we worked with a private bank who took a positive view on the client's future earnings prospects in the legal profession.
With just a 5% deposit the client borrowed £1.8 million with a blended rate on a 5 year fixed rate. £1 million was secured on a rate of 2.09% and the balance at 2.59%.

More case studies »

What Our

Clients Say

Latest

Property Finance Deals & Insight

How To Get A UK Expat Buy To Let Mortgage
The last few years have been tough for British expats who want to purchase or remortgage a buy-to-let property in the UK. A numb...
03-07-2020
How to get a business loan
Building up stock, refitting premises, buying vehicles... if your business is going to grow and thrive you'll need more finan...
16-06-2020
How can I get an interest-only mortgage?
Minimise your monthly payments and free up your cash for other priorities: school fees, supporting a growing business, or other in...
16-06-2020
How Fast Can I Get a Bridging Loan
When the property market’s strong, cash buyers are typically in pole position to acquiring in-demand property.   And...
02-06-2020
View More »
Get in Touch

If you have any questions about our services or want to start making things happen please contact us