Let's get a buy to let mortgage that is perfect for you!
Flexible mortgage solutions for UK residential & commercial property.
Specialist buy-to-let mortgage service
Ltd Company BTL & Portfolios
Expat & foreign national mortgage options
Trusted relationships with high street & private banks, specialist lenders & wealth managers
Award Winning Service
Buy-to-Let Mortgage Service
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We compare buy-to-let mortgage deals from top UK lenders
Buy-to-Let Mortgages made simple
We’ll guide you through the application and manage
the whole process until your new home is secured
Our success stories
Through our market knowledge, we can deliver enhanced, bespoke or exclusive terms based on your requirements.
Capital raised
£6.7m
London Landlord Remortgages 18 BTL Properties On Same Day
Our client was a portfolio landlord looking to remortgage 18 BTL properties financed under a single mortgage.
They had a large portfolio of 50 properties, with ownership split between two limited companies. But to gain more autonomy over their borrowing, they wanted to refinance 18 of the properties (all owned under one limited company) separately.
Because of the unique nature of each property, we split our clients’ 18 loans between 3 different lenders.
This meant we could keep costs low, as each lender was comfortable with the slice of the property portfolio they were handling.
This was a complex, time-consuming task that required a lot of negotiation and contextualisation from our broker, but we got it done.
If you’re a portfolio landlord looking to refinance some or all of your properties, speak to us today.
Capital raised
£585k
BTL Mortgage Based On Overseas Income For UK Expat Landlord In Taiwan
Almost all UK lenders will only use your property’s rental income for your affordability when you buy or remortgage a UK Buy to Let property – they won’t look at your personal income that you’re earning overseas.
But expats are often just renting out the home they used to live in – not an in-demand rental property optimised for income generation. So, their maximum borrowing amount often falls short, despite being comfortably able to afford it.
Leveraging our expat BTL expertise, we identified a lesser-known British Building Society willing to assess affordability based on the client’s Taiwanese earnings instead of the rental income. This lender is one of—if not the only—in the UK to do this.
Capital raised
£1.2m
Large BTL Mortgage Secured For Development Finance Exit
Our client was a developer of premium Btl homes in Hertfordshire.
The client needed to finish a development and required an exit strategy for the funding. A number of complexities made finding a solution more challenging.
This case required an in-depth knowledge of the BTL market and relationships with lenders who were comfortable with such complex circumstances. Timing and efficiency were vital parts of this deal, and needless to say, our client was overjoyed with the outcome.
Be one of our success stories
Frequently asked questions
We're happy to answer any questions or queries you might have when it comes to your enquiry. Here are some that our other clients found useful.
How much can I borrow?
As with any mortgage loan, how much you can borrow comes down to affordability. A lender will look at how much you earn versus your outgoings. Your credit history will also affect your borrowing power (more on that below) as well as the amount of deposit you can afford to put down.
Most lenders will offer between 3.5 and 6 times your total annual income. It just depends on how they calculate your net income and apply their affordability criteria. Your employment history, outstanding debts and your number of dependents are all factors they might also take into consideration.
Do I need a good credit history to get a mortgage?
A good credit footprint will certainly make the application process easier, and possibly give you access to better rates and terms, but if you can satisfy the following application criteria you'll have access to mortgage offers:
1. 3 months of healthy bank statements – showing you’re not spending more than you’re earning (and no overdraft facility)
2. Up to date utility and mobile phone bills which have been paid on time
3. Any credit card loan statements paid on time
4. Disclosure of any personal loans, car finance etc with 3 months of statements - and proof that repayments have been made on time
Why shouldn’t I go to straight to a mortgage lender instead?
If your financial circumstances are complex and unique, you might struggle to get the property finance you need. At the very least, you could be looking at higher interest rates, putting down a bigger deposit, or borrowing less money.
But a specialist mortgage broker will ensure you get the most out of your mortgage.
It could not only save you time and money but also secure the loan size you need by maximising the potential of your income, saving you cash on your deposit, and getting you past those awkward credit score difficulties and expat statuses.
Why Clifton Private Finance?
We are award-winning independent mortgage brokers, who specialise in smoothing the complexity of the mortgage process at every turn.
As an independent brokerage, we work for you, not the lender. Our advisers focus on listening to your unique scenario and providing you with the best finance solution for you today, and for your future.
We can help you:
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Understand what kind of mortgage you're eligible for and how much you can borrow.
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Feel comfortable with how the process works and what the costs will be.
On your behalf, we will:
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Compare rates across the entire market (from private lenders to high street banks)
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Negotiate the best deal for your circumstances
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Guide you through the application process
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Help you arrange your valuation(s)
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Liaise with your solicitor to sort the paperwork
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Chase through your application your new home is secured.
N Hargreaves
Dentist
Polite, professional, knowledgeable and handled our case with expertise. I would have no hesitation in recommending this company to anyone. I will certainly use them again myself for any future needs.
