For Buying & Refinancing Property In The UK
If you have an investment portfolio, other property or pensions, our team can look at leveraging these assets to negotiate more flexible lending criteria and more favourable interest rates on your borrowing.
We have strong relationships with UK and international banks, including private banks and specialist lenders, family offices and wealth managers.
Through our connections we can source finance from UK banks who offer bespoke mortgages and shorter-term finance products which are designed specifically for internationally based clients, with attractive interest rates and flexible loan terms.
See our more detailed content below, and
Until 30/9/2022 Up to 80% LTV Product Fee £999 As at 12 June 2020 Until 02/9/2022 Up to 75% LTV Product Fee £649 As at 12 June 2020 Until 5 years from completion Up to 80% LTV Product Fee £1,998 As at 12 June 2020
Expat - UK Residential
2 Year Fixed
Returning Expat - UK Residential
5 Year Fixed
Expat - UK Buy To Let
5 Year Fixed
Up to 80% LTV
Product Fee £999
As at 12 June 2020
Up to 75% LTV
Product Fee £649
As at 12 June 2020
Until 5 years from completion
Up to 80% LTV
Product Fee £1,998
As at 12 June 2020
Do you want to buy a home or investment property in the UK? Or do you need to refinance a property in Britain that you already own:
Comparing lending deals and mortgage rates on the internet can be very misleading because the finance for UK property you might be offered as a British citizen living and working in the UK is very different to what’s available to you if you’re based overseas.
Non-UK citizens looking for finance for a sterling mortgage can face similar issues.
The more rigorous requirements relating to your place of residence or visa status, evidence of your income, the currency you’re paid in, and exchange rates for foreign currency transfers, mean that there are fewer lenders in this area of the market. As a result, lending deals can be stricter.
We have established relationships with specialist lenders and private banks who will consider buyers from outside the UK much more favourably.
And we can guide you through the documentation and application process to get funds available to you in a matter of weeks.
What are the additional hurdles to be overcome, and how we can help you… read our blogs:
Don’t accept a UK mortgage offer on expatriate terms if there’s a chance you might qualify for more favourable domestic lending rates. We can advise you on the special tax status for British citizen international seafarers:
If you're a high-earning UK citizen, non-domiciled in the UK for tax reasons and with a complex income structure, or you use an offshore ownership vehicle for your property holdings, we can set up the finance in the structure that suits you:
We work with private banks and specialist lenders who will be very willing to provide the lending you need:
And if you’re a British citizen or a foreign national looking to invest in high-value property in the French Alps, on the Costa del Sol, or the Cote d'Azur we can put together the finance you need:
To set up an immediate, detailed discussion of the finance you’re looking for:
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.
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.
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.
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.
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.
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.
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.
I have received fantastic service from your company from my first moment of contact. Adam Arnott has been dealing with my application and has kept me informed throughout the normally stressful process.