Specialist

Private Bank Mortgages

Require property finance advice?

Speak to us today...

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

15x Income Remortgage For Wiltshire 90 Acre Property With A Forward Funded Facility
Area
Wiltshire
Capital Raised
£1.75m
Low-cost £1.23M bridging loan with flexible terms
Area
Home counties
Capital Raised
£1.23M
£2M-plus bridge to buy new home plus rental property while awaiting sale of Sussex country house
Area
East Sussex
Capital Raised
£2.35M
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
£3.3M Remortgage of Large Multi-Unit Portfolio at Highest-Possible LTV
Area
Torquay
Capital Raised
£3.3M

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 Limited Company Buy to Let Mortgage
With the rise of buy to let properties across the UK not slowing down, financing them in the most tax-efficient way is high on the...
23-07-2021
How To Get A Holiday Let Mortgage
In recent years we have seen a significant influx in property purchases for holiday lets across the UK. However, mortgage lenders ...
19-07-2021
Living in Hong Kong? 4 Ways A British Expat Can Get A UK Mortgage
Work hard, get paid well… Even on local plus rather than an expat salary package, your low tax means you’ll be lookin...
24-06-2021
How To Get A Mortgage On A UK Property If You Live In Australia
If you live in Australia, securing a mortgage to purchase a residential or buy to let property in the UK can be challenging. In t...
21-06-2021
View More »
Get in Touch

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