Specialist Mortgage Service
Flexible, bespoke mortgage solutions on UK residential and buy to let property for large loans.
Mortgages from £250k to £25M
Borrow up to 6x Income
Expat & foreign national mortgage options
Trusted relationships with high street & private banks, specialist lenders & wealth managers
Award Winning Service
Get a Better Mortgage!
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As featured in
Large 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
£1.2m
Fast £1.4M Mortgage For HNW Couple For Dream Home In Richmond
For high-net-worth borrowers purchasing sought-after London property, time is often of the essence.
Our clients, a husband and wife both in high-earning roles, had their hearts set on a £1.6m property in the affluent London suburb of Richmond.
We moved quickly and within just 2.5 days we had submitted an application for the funding required.
Capital raised
£13m
Complex Mortgage For £20M In Surrey
Securing a mortgage can be an overwhelming experience, especially when dealing with a high-value property and complicated financial circumstances.
On this deal we were able to realise the successful acquisition of a residential mortgage for a £20 million Surrey home owned through an overseas company with complex self-employed income.
Despite the challenges, Clifton Private Finance was able to secure a competitive mortgage deal for the client. The mortgage met the client's financial needs and personal requirements, providing them with the peace of mind they needed.
Capital raised
£2.4m
Fast Mortgage Secured against Large Bonuses At Low Rate
While private banks offer bespoke solutions that are often unavailable to most individuals, high-street lenders tend to offer lower rates if the case can fit within their criteria. So, if your priority is cost over convenience, we will always put this at the forefront of our work.
Our client was a trading algorithm architect for a commercial bank, and enjoyed the benefits of large performance-based annual bonuses - as is often seen in senior banking positions.
He needed to borrow £2.4m and was on a tight deadline due to hot competition for the property.
We were able to obtain rates and terms which were undoubtedly the best on the market for the complexity of the case, and our client was more than satisfied with the speed and service from the bank – especially as our team were there to smooth over any cracks and provide that dedicated, on-hand service, from application through to completion.
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.
How do I secure a large mortgage over a million pounds?
Whether you are refinancing or buying a new property for residential or investment purposes, a lender's criteria will depend on several factors.
If you have a standard employed income that supports repayments, that opens up a large range of lenders.
More complex income, e.g. where you are self-employed or where income comes from more than one source, e.g. foreign income or company retained earnings, may require a different approach.
Many lenders are comfortable structuring a large loan mortgage over £1 million where a high percentage of overall income is made up of bonuses and dividends - lenders will typically look at your requirements on a case by case basis.
As well as existing properties, other assets such as personal pensions and listed security investment portfolios can be taken into account when determining the level of finance you can access.
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.
