Remortgage Broker

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 mission to redefine mortgage advice for clients needing flexible, long-term solutions. Recognising the limitations of traditional brokerages in addressing complex remortgage scenarios – from equity release to expat financing – we built a service anchored in whole-of-market access and bespoke strategies tailored to your financial goals.

As an independent remortgage broker, we are not tied to any lender. This independence allows us to scour the entire UK market, from high-street banks to specialist private institutions, to find remortgage deals that align with your unique circumstances. Whether you’re releasing equity for retirement, optimising a buy-to-let portfolio, or navigating a high loan-to-income ratio, our team turns challenges into opportunities.

Why Use a Remortgage Broker?

While switching deals with your current lender might seem straightforward, a broker becomes essential if:

You want to secure significantly better rates or terms.
Your circumstances have changed (e.g., self-employed income, expat status, or credit history).
You need access to specialist lenders or niche products unavailable on the open market.

Our Commitment to You:

FCA-Regulated Independence: Unbiased advice focused solely on your financial interests.
Specialist Lender Access: Exclusive deals for complex cases, including expats, high-net-worth individuals, and offshore trusts.
Future-Proofed Solutions: We structure remortgages to adapt to life changes, such as overseas relocation or portfolio expansion.

Remortgaging with a broker isn’t just about securing a lower rate – it’s about ensuring your mortgage evolves with your life. At Clifton Private Finance, we combine decades of expertise with a client-first approach, helping you unlock savings, release equity, and build long-term financial resilience.

Our Remortgage Services

We help clients with:

Residential Remortgages: Up to 95% loan-to-value (LTV).
Buy-to-Let Remortgages: Up to 80% LTV, leveraging rental income.
Equity Release for Over 55s: Fund retirement, gifts, or inheritance tax planning.
High Loan-to-Income Mortgages: 5x–6x salary multipliers for professionals.
Fast-Track Remortgages: Complete applications in as little as 2 weeks.
Complex Income Structures: Multi-currency earnings, retained profits, offshore trusts, or family arrangements.
Interest-Only & Revolving Mortgages: Flexible repayment strategies.
Expat & Non-Dom Solutions: Remortgage UK property from abroad.

Recent Remortgage Case Studies

Fast Expat Buy-to-Let Remortgage

Area: Reading | Capital Raised: £500,000 | Date: November 2024 Scenario: A UK expat in Australia needed to remortgage their UK property before reverting to a costly SVR rate. Solution: Secured a specialist expat lender deal within 5 working days, using tenant income to streamline affordability checks.

Early Remortgage to Lock in Low Rate

Area: Buckinghamshire | Capital Raised: £1m | Date: May 2024 Scenario: A law firm partner wanted to reduce their £1.25m mortgage to £1m and lock in a low rate before their fixed term ended. Solution: Negotiated a 6-month rate hold with a lender, enabling a £250k lump repayment without early repayment charges (ERCs).

Equity Release for Spanish Home Purchase

Area: Surrey | Capital Raised: £350k | Date: February 2023 Scenario: UK residents needed to remortgage their Surrey home to buy property in Spain. Solution: Leveraged a high-street lender’s "anonymous funds" policy to release equity at domestic rates, bypassing expat premiums.

How to Speed Up Your Remortgage

Prepare Documents Early: 3 years of accounts (if self-employed), bank statements, and proof of deposit.
Improve Credit Health: Clear minor defaults and reduce outstanding debt.
Seek Professional Valuations: Optimise your LTV with an accurate property appraisal.
Start Early: Begin negotiations 6 months before your fixed term ends to avoid SVR rates.
Use a Broker: We handle lender comparisons, paperwork, and urgent applications.

Get Started Today

Whether you’re looking to lower monthly payments, release equity, or secure a better rate, our remortgage broker team is here to simplify the process.

Find out how much you could save – and the best remortgage deal you could achieve – with our free, no-obligation quote:

We are an independent remortgage broker based in Clifton Village, Bristol.

Looking to Remortgage?