Specialist Mortgage Broker

Speak to us for specialist finance advice

  • Market-leading rates
  • Complex mortgage solutions
  • Expat & foreign national mortgage options
  • Trusted relationships with high street & private banks & specialist lenders
  • Award winning service with a dedicated broker

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As a specialist mortgage broker we can help you achieve your property goals.

Our specialist mortgage broker service offers:

Access to specialist lenders - In addition to high street lenders, we can also access private banks and lenders that do not deal directly with the public. Specialist mortgage lenders who offer: HMO mortgages, Portfolio landlord mortgages, Holiday-let Mortgages, Student-let mortgages, mixed-use mortgages, and commercial mortgages. Lenders that offer short-term finance or bridging loan solutions, e.g., buying before you sell, auction purchases, and chain breaks.

Tailored advice - Our specialist mortgage brokers will be able to recommend solutions to your unique circumstances. Structuring an application to maximise your approval prospects is key to getting the finance you need. Understanding your affordability profile now and in the future is a critical part of what we do.

Saving time - Working with our specialist broker team can save you a significant amount of time. In addition to understanding which lenders will consider your application, we can also advise on potential underwriting issues with certain funders, which can inform your decision-making process on which route to take. We are here to navigate complex and under-the-bonnet underwriting processes and how to present your case in the best light.

Call us on 0203 900 4322 to discuss your requirements.

Mortgage & short term finance solutions on a bespoke basis.

  • UK property finance from £100,000
  • Large mortgage loans up to 95% LTV (Loan to value)
  • Access to UK high street & private banks, building societies and specialist lenders
  • Interest-only options 
  • Mortgages for residential and investment properties
  • Options for short-term finance (bridging), buy-to-let, commercial and development
  • Mortgage solutions for complex income arrangements, including using Company retained profits
  • Offshore solutions for UK expats, non-domiciled UK residents, UK residents earning in a foreign currency and foreign nationals
  • Independent service & expert advice
Call us on 0203 900 4322 to discuss your requirements.

Mortgage Success Stories

£5.25M Mortgage Secured for Ultra High Net Worth Australian National with Global Assets
£5.25M Mortgage Secured for Ultra High Net Worth Australian National with Global Assets
Area
London
Capital Raised
£5.25M
Date
August 2025
Holiday Let Mortgage Secured for UK Expats Living in the US
Holiday Let Mortgage Secured for UK Expats Living in the US
Area
Guildford
Capital Raised
£525k
Date
August 2025
Let to Buy Mortgage Case Study – Buying without Selling
Let to Buy Case Study – Buying without Selling
Area
Middlesex
Capital Raised
£318k + £455k
Date
February 2025

See All Mortgage Case Studies

Why Our Customers Trust Us

With expert guidance, your mortgage is in safe hands

business finance rates

Market-Leading Rates

We provide access to market-leading rates for every client, thanks to the relationships we've maintained across the whole of the market.

Award Winning Team

Multi-Award Winning Team

Our team of specialist mortgage advisers have over 40 years of experience and are qualified to the highest level. We're proud to have numerous customer service awards to our name.

independent advice

Fully Independent

As an independent brokerage, we focus on your best interests when comparing finance options: from costs and terms to speed of service.

To book a free, no-obligation call with a specialist mortgage broker to discuss your options, contact us today.

Meet The Team

Our Experts

Our dedicated mortgage team are CeMAP qualified and have years of high-level advisory experience.

Meet The Team

Alex Chambers

Senior Private Client Adviser

Patrick Ennis

Senior Private Client Adviser

Alex Morris

Private Client Adviser

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.

Speak to a specialist mortgage broker today

Make your property ambitions a reality and find out the full potential of your borrowing. We’ll guide you through the process and take care of the heavy lifting.

Book Appointment

Why use a Specialist Mortgage Broker?

If your financial situation or property goals are more complex than average, then using our service offers a number of advantages.

A wide variety of our clients find that the service offered by an independent, specialist mortgage broker is well worth the professional fee for the value provided. Reasons include:

How a specialist mortgage broker adds value

  • Our experience enables us to consider various scenarios you may not have anticipated, and we will seek the flexibility in mortgage terms that may be vital to you.
  • Banks or building societies can only advise on their mortgage products.
  • We can access lenders that do not deal directly with the public
  • The need for creative borrowing solutions where there are challenges with complex, irregular or self-employed income
  • The need to dovetail short-term finance to fund a gap with a longer-term mortgage solution
  • Structuring a lender application to improve your overall chances of a positive outcome
  • Advice on affordability and longer-term planning
  • Expertise in handling lender paperwork and requirements, e.g. different banks have different processes
  • Help with navigating around complex borrowing criteria and negotiating underwriting red tape
  • Avoiding banks which are likely to reject a borrowing application based on your profile and saving time
  • Expertise in dealing with non-standard property types
Our specialist mortgage broker team can assess your finance requirements and provide a range of options to help you achieve your property goals.
Call us on 0203 900 4322 to discuss your requirements.

Recent Case Studies & Editorial: 

£7.35 Million Buy To Let Portfolio Refinance »

Million Pound Mortgage With 5% Deposit For Law Firm Partner »

£3.5 Million Capital Raise Remortgage of 4 Houses In Notting Hill »

£1.7 Million Pound Mortgage Capital Raise To Finance Divorce Settlement »

How to get a million pound mortgage »

Frequently asked questions

You can find the most frequently asked questions about our services below. If you have a question that is not answered here, please email us at helpdesk@cliftonpf.co.uk.

Starting with us is simple. You can request a customised quote through our website, book a consultation with one of our expert mortgage advisors, or contact us directly at our Bristol office. Our team will assess your situation, provide guidance on the best mortgage options, and support you through every stage of the process.

Yes! While we are based in Clifton, Bristol, we provide mortgage services across the UK. Our expertise extends to assisting clients nationwide, including international buyers and expats looking for UK property financing. No matter where you are located, we can help you find the best mortgage deal to suit your needs.

The process typically begins with an initial consultation where we assess your financial situation and goals. We can secure a Decision in Principle (DIP) within 24-48 hours, depending on the urgency.

Once your offer is accepted, we submit your mortgage application, and the valuation and legal processes begin. The overall timeline varies, but we work efficiently to ensure a smooth and timely completion.

We can help with a wide range of mortgage solutions tailored to different client needs. Our services include residential mortgages, remortgages, buy-to-let mortgages, bridging loans, expat mortgages, bad credit mortgages, and mortgages for self-employed individuals.

We also assist with commercial mortgages, land development finance, and property redevelopment loans. No matter your situation, we work to find the best mortgage deal available in the market.

Clifton Private Finance is an independent, award-winning mortgage broker based in Bristol. Unlike many brokers who work with a limited panel of lenders, we have access to the entire UK mortgage market, ensuring we find the best rates and terms for your specific needs. Our expert team provides a highly personalised service, guiding you through the mortgage process smoothly and efficiently. Whether you have complex income sources, are an expat, or need a specialist mortgage, we can help secure the right deal for you.

Let us do all the hard work of finding the right mortgage product for your circumstances. We secure mortgages for applications of all types, and we negotiate competitive lending to meet your needs and timescales.

Alex Chambers

Senior Private Client Adviser

Book a time to speak to one of our specialist mortgage brokers today