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

Development exit finance before practical completion on 4 Suffolk houses
Area
Suffolk
Capital Raised
£924K
£1M-Plus Development Finance in Essex to Finish and Exit
Area
Essex
Capital Raised
£1.1M
Quick completion for a US-dollar client reclassified as non-expat
Area
North London
Capital Raised
£750K
Saudi national UK BTL finance on 3 London apartments
Area
London
Capital Raised
£1.65M
£3.3M Remortgage of Large Multi-Unit Portfolio at Highest-Possible LTV
Area
Torquay
Capital Raised
£3.3M
London mortgage for self-employed trader moving back to UK from Dubai
Area
London
Capital Raised
£750K

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

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Get in Touch

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