Categories
Mortgages For Over 60s - What Are My Options?
If you are 60 or older & you need to borrow in later life, there are mortgage options available. Even in your 90s, there might still be products available to you. Here we look at what these mortgage borrowing options are, and the features, advantages and disadvantages of each. ...
Can I get a mortgage for 5 or 6 times my salary?
There ARE "5x, 5.5x" out there, offering maximum borrowings on your earnings. How can you get your hands on one of them? It’s not just hard-pressed first-time buyers who need to maximise the borrowing potential of their salaries, in order to get a toe-hold on the property ladder. Eve...
How to get refurbishment finance for a buy to let property
If you're looking to buy a property to generate rental income, finding one that needs significant renovation can allow you to grab a bargain. And if you're already a landlord, refurbishing your rental property can allow you to increase your rental income, and also boosts value. The challenge...
How to get a mortgage for a mixed-use country estate
Commercial income from rural outbuildings is an attractive proposition for potential buyers of substantial rural properties. But it's a worrying combination for mortgage lenders. Country estates with substantial acreage in addition to a main residence already call for specialist len...
Mortgages For Dentists: How Much Can I Borrow?
Has any profession faced more financial challenges in recent years than dentists? There are mortgage lenders who understand the value of the years of training you’ve invested in, and who are prepared to take a long view of your future earnings potential and offer generous salary multiplie...
How To Get A Large Mortgage Loan
At the beginning of 2018, almost 3 per cent of the UK’s housing stock came with a price tag of more than a million pounds. Homes and rental properties priced at more than a million pounds used to be described as "luxury". But by 2015, 75,000 new "property millionaires" had been created by pr...
How To Get A Multi Million Pound Mortgage
There’s increasing demand for high-value properties in the UK. And not just in the capital, and the commuter heartland of the south east. This property sector has done particularly well in 2020. Property News UK says that million-pound homes have been outperforming the rest of the market in t...
How To Buy Property Quickly and Beat the Stamp Duty Holiday Deadline
On 8 July 2020 the Chancellor Rishi Sunak announced a tax-free "holiday" on the stamp duty land tax (SDLT or "stamp duty") payable on house purchases in England and Northern Ireland, with immediate effect. The aim was to boost the sluggish housing market, and it was great news for buyers. House-mo...
How to get a professional mortgage
Your hard-won qualifications and structured career path can win you 8 money-saving advantages when you’re looking for property finance. Doctors, architects, teachers, pilots… you’ve been sitting exams while your peers have been down the pub. Is there a payoff in terms of mortga...
How To Refinance A UK Property
The traditional average mortgage term has always been around 25 years, and now many people, especially first-time buyers, look for arrangements with terms of 30 years or more. However, it is increasingly rare for a borrower to keep the same mortgage for this full term. In this article we look a...
How To Get A Renovation Mortgage
Home owners and developers should choose the finance for their renovation projects as carefully as they choose the design, their builder, the materials, fixtures and finishes. A finance package that’s too expensive or inflexible will be a frustrating constraint upon your plans, and can have ...
How To Get A Mortgage For A Grade 2 Listed House
If you are looking for mortgage or short term finance for a grade 2 listed home, then you may come up against a few challenges in finding a lender who will consider this type of property. When you hear the phrase ‘listed building’, you might think of a stately home or some other grand s...
Bridging Loan To Buy A House - Example Of How It Works
If you've found the property you want to buy and need to move quickly, a bridging loan is a form of finance that's now considered mainstream, used by a wide range of borrowers to help them make an important purchase. We look at examples of bridging loans and how they can be used for different types ...
How to get a UK expat mortgage
You're a British citizen currently living and working outside the UK, and earning in a non-sterling currency. But you want to buy property here and take advantage of the exchange rate on the pound, record-low UK interest rates, and good-value property prices. You have long-standing ...
News: Housing Market Trends for Autumn 2020
The housing market of autumn 2020 has continued to perform strongly following a very busy summer. For those interested in house-buying, whether for development, BTL or upsizing/downsizing purposes, it’s useful to know what the current trends are within the market. That way, you can know wher...
Living In Thailand? How To Get A UK Expat Mortgage
Don't lose all the value of your expatriate earnings in Bangkok by paying more for the finance on a UK property purchase than you need to. Yes, UK mortgages cost more for British expatriates than for Britons resident in the UK. But they don't need to cost THAT much more. An experienced...
Living In Spain: How To Get A UK Expat Mortgage
Property finance is pricier if you're an expat. But don't end up paying more than you need to for your mortage on a home or a rental property back in the UK, just because you're currently living or working in Spain. An experienced expat finance broker can save you a significant amount of money...
Expat Living in Europe? How To Get A UK Mortgage
Don't be caught out by the uncompetitive rates offered by many mainstream lenders when you when you go looking for finance on a property back in the UK. Those mortgage deals you see advertised online by British high-street banks: not for you, as a non-resident. This is one of the situations w...
How To Get A Bridging Loan For A London Property
In the UK’s most competitive property market there’s still a need for fast, flexible financing for property purchases. House prices may be sinking in two out of five London postcodes, but there’s still no time for leisurely buyer chains, or finance companies shilly-shallying around...
News: BCO Announces The Office is Over – So Where Should Developers Put Their Money?
It’s not exactly news to anyone that the impact of the Covid-19 pandemic has affected almost every single facet of daily life for the majority of Britons. One of the biggest changes established in the ‘new normal’ is the fact that those who are able to work from home, are doing so...
News: September House Price Spike
House prices in September 2020 have had the steepest annual rise since June of 2016, according to the latest newly released index from Halifax. What does the data say? The Halifax managing director Russell Galley recently spoke on the data and what it means for the housing market. He argues tha...
News: Green Homes Grant Launches for Eco-Friendly Renovation
For homeowners who’ve been lusting after eco-friendly home updates, there is excellent news on this rainy Friday: the Governments Green Homes Grant has officially been launched. What’s happening? In July, the government announced this initiative intended to help homeowners fund eco-fr...
Sell and Upsize Your Home or Renovate - Your Finance Options
The impact of 2020 has been felt by all British citizens: Covid-19 has affected every facet of our daily lives. Lockdown confined us all to our homes for six months of living, working and being inside the same four walls day after day after day. And with a second lockdown a possibility, it has lef...
News: The Rising Tide of Tenant Demand
The property boom post-pandemic appears to be continuing on through into the autumn, if recent reports are anything to go by. But it’s not just the buyers market that’s busy – the rental market, too, are sustaining a rise in demand, so now is a good time to be a landlord. Data fro...
How To Get A Private Bank Mortgage
Footballers, artists, entrepreneurs and young professionals…These marble halls now offer flexible terms and extended borrowing to a far wider range of HNW clients than the landed gentry. Their services have traditionally been shrouded in hushed secrecy. But their rates, and the relationship ...
US Citizens Buying London Real Estate: 9 Things You Need to Know
Good properties to buy, affordable finance available, and good returns. But there are a few surprises about how the finance and buying systems work over here. By Luther Yeates, Senior Finance Broker for Clifton Private Finance: our specialist in UK property finance for non-British buyers If you're...
HMO Mortgages – How To Finance An HMO Property
The ROI returns can be impressive, but only a few specialised intermediary-only lenders will fund a foray into the multi-let market. If you've paid off a mortgage you could now be looking to reinvest in property. Or perhaps success with residential investment or buy-to-lets (BTL) has prompted ...
How to remortgage a buy to let portfolio
Changes to tax and regulations mean that landlords’ finance needs to work harder for them to ensure the profitability of their rental property holdings. Good returns aren’t only available to those who "stay small". But the new financial landscape does mean that investment property owner...
Mortgages for doctors: finance to suit the medical profession
Significant investment in your career, with training contracts lasting into your mid-30s, diverse career paths and complex earnings… doctors face particular challenges when it comes to applying for mortgages. For NHS employees, doctors, consultants and allied health professionals wanting to ...
News: How to Use Bridging to Beat the Buy to Let Competition
2020 has certainly been an odd year in the housing market - a global pandemic, a stamp duty holiday for residential mortgages, the impact of national lockdown. All of this doesn’t exactly sound like it should add up to the right time to expand your buy to let portfolio. But, according to a ne...
How to use a bridging loan to buy a house before selling your current home
In an ideal world, we'd all wait to sell our old house before first, before buying a new home. But in reality, it's not always possible: the market may be slow, a buyer may have dropped out, or you might want to do renovations before moving in. Short-term borrowing allows a financially...
Flexible 24-month Alternative Bridging Loans Over £500K
The terms of standard bridging loans terms don’t suit everyone. So the short-term lending market has responded by offering a type of lending that meets the requirements of the Financial Conduct Authority, but which offers greater flexibility to borrowers who need it – and can afford...
News: UK’s Top Ten Rental Yield Hotspots for Landlords
The dormant spring of the housing market has well and truly ended, following a summer of unprecedented growth after the emergence of the UK from the national lockdown. The housing market is moving quickly once more – with June, July and August seeing very high numbers and houses selling in wee...
Can I borrow more on my mortgage?
For most people, your home will be the most valuable asset you own – so it will be first port of call when you are looking for an asset against which to secure more money. Lots of people may find themselves in the situation where they need to secure some quick capital, and borrowing more on t...
How to get a large mortgage as a contractor: 5 top tips
If you’ve tried to get a mortgage in the past by approaching a high-street bank or building society, you probably found that you weren’t one the customers they were bending over backwards to lend money to. You don’t have three to six months’ worth of employer payslips? Or th...
Mortgages and Credit Scores: What You Need To Know
There's no magic "pass score" on your credit rating that means you will or won't get a mortgage. But it's a very important factor in whether you'll be offered property finance, and what interest rate you'll be charged. So it’s important to understand how credit ratin...
Latest Mortgage & Short Term Finance Deals
Autumn is here and its not just the leaves that are falling. We have put together some of the deals that we have recently placed and are currently available to our clients as at 2/09/2020. Remortgage (Interest only available) 5 Year Fixed: 1.42% APR initial rate (reverts to 3.59% after f...
News: Recession Proof Buy to Let Property Hotspots for UK Landlords
The news is in: the UK is officially in a recession. This can be a scary word for a lot of people, but it needn’t be. The effects of a nationwide lockdown due to a global pandemic were inevitably going to have this effect on the economy, and once Brits are able to return to their regular spen...
UK Mortgage For US Citizens Buying Property In London
Britain’s Brexit stalemate has been excellent news for overseas investors in the London property market. The weakening of sterling over the past couple of years meant London tumbled down the Economist’s rankings of the worlds’ most expensive cities, and led to some serious bargain-...
News: Best Stamp Duty Savings Inside London
The chancellor’s plan to kick-start the housing market following lockdown, as the market has sprung very much back into life since the announcement of the stamp duty holiday in July. For those looking to buy in London, you’re going to want to take advantage of that Stamp Duty Holiday wh...
How do Joint mortgages work?
A joint mortgage does what it says on the tin: it is a mortgage where more than two or more people share the debt accrued by borrowing in a mortgage, so they are jointly liable for repaying that debt. Who can I get a joint mortgage with? A joint mortgage can take many forms: you could be buyin...
Bridging Loan Costs: A Complete Guide to Rates & Fees
Fast and flexible short-term finance can get property buyers out of a hole. And it’s probably more affordable than you think. Read our chapter-and-verse guide to the cost of short-term finance. Bridge finance used to be regarded as a niche form of property finance for high-flyer developers an...
News: Best Stamp Duty Savings Outside London
The stamp duty holiday has certainly rekindled the fire in the housing market following the UK wide lockdown earlier this year. For those looking to buy their brand new dream property and take advantage of the stamp duty holiday, now is very much the time to buy – so we’ve put together ...
Remortgage to buy another property: make use of the equity in your home
You’ve seen the prices rise on the properties around yours, and you’re wondering: how do you make use of the increased value of your home or rental property without actually selling up and cashing in? Remortgaging can be the answer if you’re thinking of buying another property In...
News: Sharp Rise in Property Transactions Follows Stamp Duty Holiday Announcement
It has been a just over a month since the chancellor announced the stamp duty holiday for purchases of homes up to £500,000 until 31st March 2021. One month in, we are starting to see the result of this policy change in the housing market, according to recent data from international estate ag...
Mortgage Application Delays and Hidden Costs and How To Avoid Them – By a Mortgage Broker Buying His Own Home
Applying for my own mortgage without the specialist access available to mortgage brokers was a horrible, horrible process. By George Abouzolof, Clifton Private Finance I now have every sympathy with property buyers applying directly to banks and building societies for their mortgage finance. I'm a...
News: Our Top Four London Hotspots for HNW Buyers
For the high net worth buyer, there is nowhere else in the UK that is a greater symbol of your status than an investment property in central London. Average London house price stands at £605,437 according to Zoopla; it’s a pricey place to be, not least in the most sought-after high net ...
Mortgage News: Top 5 London Buy To Let Hotspots For Rental Yield and Stamp Duty Saving
On 8 July 2020 the Chancellor of the Exchequer announced an immediate “holiday” for Stamp Duty Land Tax (SDLT) until 31 March 2021, for owner-buyers of properties costing less than £500,000. The relief from standard stamp duty also applies to landlord buyers and overseas investors...
What mortgage protection do I need?
When we sign on the line for a new mortgage, taking out a mortgage protection policy isn’t usually the first thing we think of buying. But there are plenty of of good reasons why it ought to be. Buying a sofa for the new sitting room is a more exciting purchase to consider. But the ...
News: Our Top Five Considerations for a Post-Covid 19 BTL Market
The housing market is moving once again – both for those looking to buy and looking to rent. For a prospective landlord looking to purchase a buy to let property, there are the traditional considerations you might be making in order to maximise the amount of rental return: number of rooms, lo...
News: The Return of 90 Percent LTV Mortgages
During the past few months, many platforms had previously removed their offers of higher LTV mortgages due to government lockdown restrictions impacting the housing market. This has, for many, restricted their ability to buy – especially for first time buyers – as they did not have suff...
News: How Will The Stamp Duty Holiday Impact the UK Property Market?
Rishi Sunak has just made the much-anticipated announcement today as part of his summer statement: UK house buyers are to receive a stamp duty holiday on properties up to £500,000, which will last until March 31st 2021. This change will take place with immediate effect. What exactly is st...
How To Get A UK Expat Buy To Let Mortgage
Finance has become a bit more complicated in recent years for British expats who want to buy or remortgage a rental property in the UK. But there ARE solutions. A number of changes have affected the buy-to-let mortgage market in the UK, which had the effect of reducing the numbers of l...
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 finance than you can generate from turnover. We can help you get it. "A big business starts small" says one lauded British entrepreneur who started his business career sellin...
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 investments. It all sounds very attractive. And increasing numbers of lenders are now offering interest-only mortgages. But is this the right kind of borrowing for y...
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 when the market is nervous, and fewer properties are coming up for sale, sellers may be willing to discount – but they will only want to consider fully-qualified b...
Business as usual: property finance that can proceed without site visit valuations
Trades and professions supporting the property industry are working hard to adapt to the "work from home" business environment. And amongst those having to urgently re-think work practices are surveyors. By definition carrying out on-site property valuations is not work you can do from home. And mo...
Living In Dubai? 4 Ways A British Expat Can Get A UK Mortgage
A generous expat salary: tax-free. British banks should be falling over themselves to offer you a mortgage on a UK property. But getting an expat mortgage on property in the UK isn’t always straightforward, and there can be additional problems when you’re an expat living and working...
News: Giving Your Commercial Tenants a Rent Holiday
The way British society looks has changed quickly in the past week and a half. Following government emergency measures announced on Monday 24th March 2020, all non-essential shops and companies should close including gyms, schools and businesses. This will obviously be a difficult time for many bu...
Finance to convert hotels, guesthouses and B&Bs
Proactive owners of empty and underoccupied holiday accommodation are acting fast to stem their outgoings and transform their properties into profit-generating assets. Conversion and change of use is seen as the fast and achievable solution at a time when sales of hospitality businesses are de...
How To Get A UK Mortgage If You’re A UK National Living In Guernsey
Your generously flat-rate-taxed income gives you buying-power that can be sadly under-utilised in the very limited property market on the island. Many Medium and Long Term employee residents look to build a property portfolio back on the mainland. With only 1,600 properties available for purchase t...
Can I borrow against a property with no mortgage?
Many homeowners are looking to access cash to help get through extraordinary circumstances: loss of employment, business closure, children in difficulty with their home payments… Or they may have the opportunity to do home improvements or build an extension – and they want to get on wi...
How much deposit do I need for a property in London?
The London property market is famed for being expensive and slow; buyers need to have sufficient income and deposit in order to secure a property in this high-demand location. So it’s no surprise that you’ll need a higher income to buy here as property values are higher. Your savings a...
How To Remortgage a Residential Home To A New Lender
If your fixed term mortgage deal has come to an end, you could remortgage to release some cash. Shopping around mortgage providers will save you thousands. No-one looks forward to spending hours on the phone to banks or building societies, or comparing the fine-print of mortgage offers. In t...
Spouse visa: how to get a UK mortgage
Are you a foreign national, or is your partner a non-UK-citizen, and you’re looking for a joint (or solo) mortgage in the UK? It is possible – but you’ll need experienced advice and contacts. Or you may, like some of our clients, be hoping to exclude your non-UK citizen partner fr...
NEWS: Exchange rates boost influx of US dollar buyers for UK property
Clifton’s foreign-buyer finance specialist reports a recent flurry of interest from US-dollar investors in the British property market. Luther Yeates, Senior Finance Broker at Clifton Private Finance, says a sustained drift in exchange rates over the past fortnight has favoured American buyer...
News: Landlords with Buy To Let Mortgages To Be Protected Via 3 Month Repayment Holiday As Government Sets Out Emergency Restrictions on Evictions Due to Covid-19
With the majority of Britons socially-isolating, there has been much discussion about what implications this has for tenants and landlords like. Renters who don't work in jobs they can do at home are at risk of quickly falling behind on their rent payments and possibly losing their homes. On March ...
News: Mortgages – BOE Drop Base Rate Again To 0.1 Percent In Shock Cut
Coronavirus is spreading quickly throughout the world and the effect on our economy is already being seen – with a particular effect on tracker mortgage rates which are currently hitting an all-time low. What's happening? In an unprecedented move the base rate has been cut further to 0.1%. ...
Can I get a mortgage if I don't live in the UK?
You may be living alongside Singapore’s Buddha Tooth Temple, in Dubai’s Mirdif or Frankfurt’s Nordend, but still want to buy property in the UK. Is it possible to get finance? Yes, indeed. Frustrated overseas mortgage applicants usually come to us after they’ve been rejecte...
NEWS: Coronavirus Moves Property Auctions Online
Are you a developer or investment bargain hunter looking for a hammer-fall property at auction? Worried that the coronavirus pandemic might scupper your plans? Take heart, and read on: Despite the UK Government banning larger gatherings from 16th March onwards in an attempt to curb the spre...
News: How Could a Mortgage Holiday Work for You?
Last week we reported on our new chancellor’s Budget, and this week he is returning to the headlines with property news resulting from the economic strain caused by Coronavirus. What’s happening? In a press conference yesterday (Tuesday 17th March 2020) the newly-minted chancello...
What proof of income do I need to get a mortgage?
This ought to be the easy part of a mortgage application. And for UK-based PAYE salary earners (an increasingly rare breed) documenting your earnings is fairly straightforward. But for everyone else, from self-employed and contract workers, to company directors, barristers, expats and seafarers, yo...
News: Budget Announces 2 Percent Increase in Non-UK Buyer Stamp Duty
Wednesday 11th March 2020 saw Rishi Sunak stand at a podium in the House of Commons and give the rundown of the official Government Budget for the coming year. Billed as the Corona Budget, buried in the detail were the significant changes for the housing market: the increase in Stamp duty for non-U...
NEWS: Bank of England Base Rate Drop Creates Cheapest Borrowing for HNW Self-Builds
What’s happening? In response to the increasing coronavirus outbreak in the UK, the Bank of England has responded by dramatically cutting their base rate from 0.75% to 0.25% which is considered to be an emergency measure to help support the economy through the financial disruption caused by t...
Applying for retrospective planning permission: is it worth the risk?
In the last three years almost 40,000 applications for retrospective planning permission have been made in the UK. You may have made an honest mistake during building works and only realised afterwards that you needed permission. Or you may have discovered that you can’t sell your house unless...
News: Feb 2020 Data Shows The Boris Bounce Comes Good at 2.3 Percent
In January, we reported a predicted a 2.3% rise in house prices – the much-vaunted "Boris Bounce", likely due to the political stability afforded post-December. Now, just over a month later we are seeing this prediction come true. What's the data saying? Strong information from ...
Bridging Finance: 7 Ways To Win A Property Deal
Don’t wait around for a standard mortgage to come through. Fast, short-term finance is the secret weapon in the pocket of determined property buyers who don’t want to miss out on the unmissable opportunity. 1 Break the mortgage chain Save the deal when a buyer pulls out at ...
Can I get a holiday let mortgage?
Why wouldn’t you want to rent out your prime-demand property as a holiday let, and earn in a few weeks what a longer-term tenant would pay over a year? Well, getting mortgage finance has been a bit of a stumbling block: lots of lenders aren’t happy with the dramatic variations in rental...
NEWS: Two-Thirds Remortgage Via Broker in 2019
Remortgages rose in 2019 by 4.2% according to a new report from LMS, one of the UK’s leading conveyancing management services - and the majority of these remortages are achieved via a brokering service according to latest data. By going through a broker service you get the benefit of expert...
News: Top Ten UK Investment Property Hotspots for 2020 For Developers
With spring on the horizon, it’s not just the property market which is set to heat up in the next few months. Tradespeople are also bracing themselves for a busy spring due to expectation of high volumes of work coming from developers snapping up properties in UK hotspots. Hamuch.com, reputa...
Our new low-cost development finance solution: more time – and cash – to finish a build project when other lenders have walked away
Mind the gap: are you running up against your end-of-funding deadline? Do you just need a few more weeks (or, realistically, a few more months) to get your project finished and sold – or refinanced onto a mortgage? But your current lender won’t extend your term… Welcome to the c...
News: Strong Market Predictions for Student Landlords in 2020
The student market for rental landlords continues to be a promising sector. Year after year new students arrive, fresh faced and with cars full of IKEA duvets and Tesco pans, ready to begin the years-long uphill climb towards their degrees. In key University cities all over the country, there is c...
NEWS: New Homes To Be 30 Percent Cheaper For Local First Time Buyers
The UK Government is launching a new scheme designed to give first time buyers a leg up onto the property ladder by offering a considerable discount. The “First Homes Scheme” is a new initiative for 2020 which, if successful, could be a huge help for first time buyers who are currently ...
How to get a joint mortgage with a non-UK national partner or spouse
Couples where one partner is not a UK national are often keen to settle in and establish a home in Britain. But getting property finance can be a challenge. We have a strong track record in matching international clients with the lending they need. What are the issues for mixed-nationality couples ...
NEWS: Commercial Property Boom Forecast in 2020
A newly published study from financial specialist Together has predicted that 2020 will be the start of a two-year boom for the commercial property market. Andrew Charley, head of corporate relationships at Together, underlined the growing confidence in business behind this prediction, ...
How to Get A Foreign National UK Mortgage
International investors buying a desirable home in London, or a high-yield rental property in regional UK, face a few more challenges than buyers who are British nationals. An acceptable source currency for your mortgage payments, evidence of the source of your finance, and an estab...
News: Top 5 Property Hotspots for 2020 London Landlords
London property agents have reported that 2020 has kicked off to an excellent start. Activity in the property market has been busier than usual, as we reported earlier in the year in our news blog. Speaking specifically about the London market, experts are noticing a promising upward trend. ...
UK Expat? How To Get an 80 percent LTV Buy To Let Mortgage for a UK Property
You’re brunching poolside in Abu Dhabi or Singapore and thinking: it can’t be too soon to start investing my no-tax (or low-tax) dirhams (or dollars) in property back home. You may already have your eye on an apartment with strong tenant-appeal in Manchester’s Mayfield, or Bi...
News: Reported Delays in Home Selling, and How Bridging Loans Can Help
Are you expecting it to take eight and half months for your house to sell? That's the alarming prospect raised by a new study of house sale completion times. Moving house is recognised to be one of the most stressful life events we have to cope. Not least for homeowners waiting for the sale of the...
News: Upswing in Auction Property Buying in 2019 for Developers
It appears more and more Britons are feeling inspired by Homes Under the Hammer, as Auction House are reporting good numbers for their 2019 sales. Their director confidently projects that this will continue into 2020, which is excellent news for developers or prospective developers looking to expan...
Mixed Use Property? How To Get A Mortgage
Are you considering buying a shop or office premises with a flat above? Or a one-time pub with landlord’s accommodation? You’ll be needing a different type of mortgage finance. Most property owners who are thinking of venturing into property investment for the first time (to generate a ...
NEWS: Top 3 Postcodes for Buy-To-Let in Wales
The Welsh housing market is leading the way in growth of housing prices, and this demand is spilling into the rental market. As of November 2019, house prices in Wales had risen 7.8% higher compared to 2018. Knight Frank Research forecasts that between 2019-2024, the cumulative UK rental growth in ...
What Is Commercial Property Finance? How Much Can You Borrow?
Debt-free is good. But business success requires access to finance so you can seize opportunities, or stay ahead of the market. What is commercial finance? Commercial loan terms can apply to borrowing by individuals or a company to buy commercial premises, or borrowing by businesses. Cautious bus...
NEWS: A Sharp Upturn in London Property Buyer Enquiries
The housing market competition in London is heating up in 2020. Knight Frank are reporting that the registration of buyers interested in London properties saw a sharp spike in the second week in January 2020. January normally sees an increase, this is an unprecedented rise, being 92% higher ...
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Bridging Loans: How Much Can I Borrow?
Do you need a short-term finance solution to inject cash quickly without the waiting time of traditional longer-term borrowing? Wondering how much you would be eligible to borrow? Short-term finance such as bridging loans can be a very helpful form of finance for the right borrower, dependi...
NEWS: a 2.3 percent Boris Bounce for property developers?
The start of 2020 has kicked off with a noticeable Boris Bounce in the housing market, with the Times reporting that house prices have risen 2.3% rise since polling day in December. Is this a blip, or a new direction of travel for the market? This was predicted by industry experts imm...
Aged 70 Plus? How To Get A Mortgage
Taking on a new mortgage at the age of 75 (or 78, or 80…) might not be how you thought property ownership would look when you first bought a home 30 years ago or more. But for most people retirement doesn’t look anything like it did 30, or even 20, years ago: We have many more...
Bridging loans: how do they work?
Bridging loans are a very useful form of finance for people looking for a short-term loan. They can be really useful for someone looking to "bridge the gap" during a financial transaction. Here at Clifton Private Finance, we specialise in the procurement of bridging loans for borrowers who want to b...
How To Get A Property Development Bridging Loan
There are various short-term finance options which could suit your development project. But most of them aren’t available from high street banks, and you won’t find them on price comparison websites. Site availability, good design, a dependable building team with strong projec...
How to get AirBnB buy to let mortgage finance
With UK rental returns shrinking for the first time in five years, BTL landlords are looking at Airbnb-style short-term lets for higher yields. Current Zoopla data shows that the average monthly rent for a one-bedroom flat in London is £1,618, while the same property can earn the same return ...
