Specialist
Private Client Service
Bespoke finance solutions
Bespoke finance solutions
2 Year Tracker Subsequent rate 8.74% LTV - 60% Product Fee £999 Free valuation No Early Redemption Charges As of 20th September 2023 5 Year Fixed Subsequent rate 9.24% LTV - 60% Product Fee £1,295 Free valuation Early Redemption Charges - Yes As of 20th September 2023 10 Year Fixed Subsequent rate 7.99% LTV - 85% Product Fee £999 Free Valuation Early Redemption Charges - Yes As of 20th September 2023 Thank You for your interest - please complete the form below and a member of our team will be in contact.
2 Year Tracker
Up to £2m
5.39% APR
APRC 8.4%*
5 Year Fixed
Up to £1m
4.97% APR
APRC 7.60%*
10 Year Fixed
Up to £750k
5.04% APR
APRC 6.1%*
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*Overall Cost For Comparison
Capital raise against London rental properties for Saudi client buying £5M Buckinghamshire home
Million-pound mortgage for self-employed law partner
£3M purchase of country estate combining home and rental units
Our authority within the specialist property finance market was built upon our reputation for combining depth of market knowledge and delivering innovative finance solutions in line with our clients requirements.
Requests for a more comprehensive service from clients with complex earnings and assets portfolios led us to seek out finance industry partners who share our professionalism, independence, and commitment to personalised client service.
We now offer the same level of bespoke service across the range of our clients’ financial needs:
Clients with standard employed income have a wide variety of financial resources available to them at favourable rates.
More common amongst our salaried private clients are remuneration packages that include a combination of salary, bonus, dividend and share options, often paid in non-sterling currencies or structured across more than one currency.
And many of our private clients are classified as self-employed:
Their finance requirements call for a different approach.
Our extensive contacts across the finance industry include private wealth funds and private banks who will be willing to look at your finance requirements on a case-by-case basis, and can write individual lending terms.
Many of them are interested in building long-term relationships with clients. But if you already have assets under management elsewhere we can access bespoke lenders who won’t stipulate transfer of assets management.
In addition, for clients not yet at the maximum of their earning potential, but working in professions with clear structures for progression, we can find extended finance based on your expected future earnings.
Many of our private clients have a need for more flexible property finance than is available from mainstream banks and building societies.
High street lenders can be cautious about lending on high-value single assets upwards of a value of £1-2 million: a value range easily surpassed in the prime areas of London.
In addition, many high-earning clients need more flexible repayment terms than are available from mainstream banks and building societies.
Our clients can comfortably afford the level of borrowing they’re looking for, but the irregular nature of their earnings, based on bonuses or the payment of client fees, means that lower interest-only monthly repayments supplemented with lump-sum overpayments, may be more suitable for them.
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
