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Can I Refinance an Existing Bridging Loan?
In short, yes, it is often possible to refinance an existing bridging loan with a new one. Written by: Sam Hodgson In the past, lenders tended to be unwilling to offer bridging loans to refinance a previous bridging loan. However, many lenders are now willing to consider this approach, ...
BoE Keeping Base Rate at 4.75% | What it Means for Your Mortgage
On 19th December, the Bank of England voted to keep the base rate at 4.75% to keep inflation under control. This means that the Bank of England dropped the base rate by a total of half a percentage point in 2024, but 4.75% is still the lowest bank rate we have had since June 2023. For the past two...
NEWS: Will House Prices Drop in the UK in 2024? [December 2024]
Will house prices go down in the UK? Interest rates have dropped, but worries of rising inflation might be suppressing the market. Written by: Sam Hodgson House prices have risen by 2.9% since September 2023, and the Bank of England base rate has dropped twice. However, following the Autumn B...
NEWS: Are Mortgage Rates Going Down? [December 2024]
The Bank of England base rate has been held at 4.75%. What's next for our mortgages? Written by: Sam Hodgson The Bank of England voted to keep the base rate at 4.75% in an effort to control inflation, which has risen to 2.6%. It’s clear that inflation remains a central concern for the ...
Yes - You Can Get A Bridging Loan With Bad Credit
Can bad credit affect your ability to get a bridging loan? Find out why it's still possible to get short term bridge finance, how it could even help improve your credit rating in the future, and our quick guide to securing the funds you need. Written by: Sam Hodgson Many people beli...
Dynamic Discounting | What You Need To Know
Cash flow is a major concern for businesses, no matter their size. Getting invoices paid early can be a huge help, especially in more complex supply chains where a delay in the middle has a knock-on effect throughout. Invoicing financing, purchase order financing, and other forms of trade finance c...
How to Finance a Car | Affordability vs Ownership
At Clifton PF, we help clients arrange car finance independently every single day - we've seen it all. So join us as we dig deep, crunch some numbers, and compare the options to look at the best way to finance a car. First, here's an initial overview: Choosing the right car finance is best done by...
A Guide To Offset Mortgages: Are They Still A Good Idea?
With mortgage rate hikes in the UK, many homeowners are faced with huge hikes in their monthly repayments. If you are thinking of remortgaging and have savings in the bank, it may make sense to consider an offset mortgage - a lesser-known product that could help you save money on your repayment...
Bridging Loans: How Much Can I Borrow?
How much can you borrow with a bridging loan? Do you need a short-term finance solution to inject cash quickly without the waiting time of traditional longer-term borrowing? Written by: Sam Hodgson Short-term finance such as bridging loans can be a very helpful form of finance for the right b...
How to Get a Car Loan in 5 Steps
So you want to buy a new car? Excellent - we can help! At Clifton Private Finance we have the knowledge and the connections needed to get you on the road in your dream vehicle. Here's a broad outline of how to get a car loan: Stage 1: Before Choosing a Car Check Your Credit Score: Review and i...
How to Get Development Exit Finance as Your Building Project Nears Completion
When a property development project is coming towards the end of its agreed term of finance, unexpected delays in finishing the build or finalising sales can have a major impact on the cost of your finances and the profitability of your development. Written by: Sam Hodgson Development exit fi...
Hire Purchase | 13 Advantages and Disadvantages
Understanding the different forms of car finance can be tricky. Here at Clifton Private Finance, our experts have delved deep to find all the pros and cons of hire purchase (HP) so that it’s easy for you to weigh it up when choosing how to pay for your car. In a nutshell, here are the advanta...
NEWS: First Time Buyers Dominating London Market
London is seeing an increase in purchasing activity from first-time buyers despite high cost-of-living and homebuying costs. Here's how you can navigate the evolving London market. Written by Luka Ball According to new data, in 2023, London saw 181,000 first-time buyers purchase homes. This m...
NEWS: Top 10 Regions With The Best Rental Yields in the UK
Where are the best places in the UK to invest in property? We explore the best rental yields in the UK for landlords, touching on the current rental landscape in Britain and what makes these areas, in particular, so great to invest in. Written by: Sam Hodgson Despite occasional fluctuations, ...
Russia Ukraine Conflict: The Effects On The Mortgage Market
Russia’s war on Ukraine has already caused economic ripples across the globe, with stock markets experiencing volatility and the price of crude oil surging to over $100 a barrel. Written by: Sam Hodgson While it’s very difficult to predict the twists and turns down the road a...
Labour’s Housebuilding Boom – Fact or Fantasy?
Labour has lofty ambitions for the housebuilding sector over the next four years, but is their plan enough to tackle the housing crisis? This year, the Labour government unveiled a sweeping plan to tackle the UK’s housing crisis. It promises to build 1.5 million homes over five years, reintro...
2024 Property Market Review: What Happened & What’s Next?
As the year comes to a close, we reflect on the numerous factors that have shaped the market this year and what we can expect in 2025. The General Election and subsequent new government resulted in a controversial Autumn Budget, announcing the first of many budgetary U-turns. As well as the much-an...
How To Get A Multi Million Pound Mortgage
When you think of a multi million pound mortgage, you may think of London, but there's an increased demand for high value properties across the UK as a whole. Whether you're a first time homebuyer or an experienced property investor, getting a mortgage for such a large sum of money can be a dauntin...
How to Get a Limited Company Buy to Let Mortgage
The unique advantages and considerations of a limited company buy to let mortgage - here's what you might not know Written by: Sam Hodgson Whether you're buying your first investment property, or are an established private landlord, the tax benefits of mortgaging your property ...
HMO Mortgages – How To Finance An HMO Property
HMOs are still proving to be a lucrative investment today, but if you're looking to secure finance, expect different lending options for an HMO mortgage. 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 p...
How To Remortgage A Buy To Let Property
You may be considering if the time is right to remortgage your buy to let property. You could find a better deal or release some equity for further property investment. Here we explore why you might want to remortgage a buy-to-let property (BTL), what considerations you need to make,...
NEWS: Is Investing in a Buy to Let Still Worth it in 2024?
Investing in a buy to let has the potential to generate high ROI through both rental income and building equity, but amid the current costs of owning a property, many are asking if being a landlord is still worth it. A number of landlords are expressing dissatisfaction with slim profits and rising ...
NEWS: Why are House Prices Falling in Investment Hotspots?
House prices are beginning to fall and investment hotspots that were seeing the biggest growth before 2022 are now on a decline - we explain why. In the past year, house prices in the UK have fallen -0.2%, bringing the average house price to £263,800.That's £410 lower than a year ago. W...
What Is A Buy To Let Mortgage Stress Test And Will I Pass It?
A buy to let stress test is a process that most landlords go through when purchasing a property to rent. But how is it used, and how does it affect your mortgage eligibility? The stress income cover ratio (SICR) is the calculation lenders apply to determine your affordability of a buy to let (BTL) ...
How to Switch to a Buy to Let Mortgage
Switching to a buy to let from a residential mortgage can be daunting, especially if you’re unsure if you’ll pay any early repayment charges or mortgage set-up fees. But if it can unlock the rental potential of your current residential property and help fund your ambitions to move or go...
NEWS: How Will a Labour Government Affect the UK Property Market?
With Labour in government for the first time in nearly 15 years, many Britons are wondering how this will affect the property market. Written by Luka Ball Historically, general elections have not had extreme impacts on the housing market, but a clear electoral mandate can boost buying confide...
The 9 Best Places to Live in the UK | 2024
Moving to the UK? We've put together a list of the best places to live in the UK if you're an expat or foreign national, rated for affordability, lifestyle, work opportunities and overall happiness. Moving to a new country is a monumental decision that opens the door to fresh experiences, dif...
Property Market Update: Major Lenders Pull Deals Amid Uncertainty
In our property market update, we explain how factors like the Autumn Budget and the US election have shaped consumer behaviour and what we can expect from the next 6 months. The UK housing market is facing uncertainty as mortgage rates rise despite recent cuts to the Bank of England’s ...
What's the Average APR for a Car Loan?
At the time of writing at the end of 2024, the average APR for a car loan is around 7% to 9%. However, working out the exact average APR for a car loan is impossible - there are just too many factors at play to make it meaningful. Even if we did pull an average out of the hat (which, to be fai...
NEWS: What Can Non-Doms Expect from the UK Property Market?
The future of the UK's non-domiciled (non-dom) tax status big changes as Labour plans to end the regime by April 2025. Written by: Luka Ball This proposed reform, part of the party’s approach to reshaping public spending and tax policy, could phase out a system that allows individuals w...
Inventory Finance | Everything You Need to Know
Running a business that depends on the buying and selling of items can make cashflow difficult. Problems such as the seasonal nature of the business, or the need to hold large amounts of slow-moving inventory to make sure you have the stock on hand when it’s needed, can put pressure on busine...
How Does PCP Actually Work?
Personal contract purchase (PCP) has become the country’s most beloved way to finance a new car, and there’s a good reason for that - it lets you get your hands on a shining new car for the lowest possible monthly repayment. How does it do that? At Clifton Private Finance, we have the a...
Receivables Finance | What You Need to Know
For businesses looking to smooth cash flow or expand, accounts receivable can present a problem: accounts receivable is the money that is owed to the company by its customers from sales or services already rendered, and delays in its being realised puts pressure on the day-to-day finances of a busin...
Hire Purchase vs PCP | A Complete Comparison
In a nutshell, HP is suitable for those focused on ownership and saving on long-term costs, while PCP is better for those valuing flexibility, lower upfront costs, or easier access to new cars. But, there's a little more to it than that... Let's start with a birds-eye view of the co...
How Does Finance on a Car Work? 12 Steps
When you’re looking to finance a car, there’s almost too much to learn - the difference between HP and PCP, the ins and outs of balloon payments, and what really happens if you miss a payment. Wouldn’t it be easier if someone just told you what to do and how to sort it all out? We...
Seafarer UK Mortgages: The Ultimate Guide
Many seafarers can qualify for standard UK mortgage rates if they claim the Seafarers Earnings Deduction (SED) and maintain ties to the UK. Written by: Sam Hodgson However, issues like fluctuating exchange rates, offshore banking, and proving your affordability can complicate the proces...
How to Calculate Business Profit | Essential Guide
How can you calculate business profit? Getting to grips with the data can help you understand what you're excelling at and what you could do to improve. Written by: Sam Hodgson Ever heard the term "you've got to spend money to make money"? You'll need to reinvest capital back into your ...
How Much Does it Actually Cost to Employ Someone?
The word “company” means a formed group, and comes from the latin “com”, meaning together and “panis”, which means bread. It is the idea of people coming together to share a meal and is where we also get words like “companionship”. theme-element?412...
RESEARCH: Gardens and Property Prices | What the Data Says
New research reveals surprising patterns in access to gardens across UK cities, with affordability linked to more green space. Research from Clifton Private Finance has analysed data from Rightmove to calculate the percentage of homes for sale with gardens in the UK's citie...
Credit for Businesses | The 13 Best Options Compared
Every business needs money to run, more money to stabilise, and even more money to expand and succeed. While a simplistic model of self-sustainability may work for micro businesses, for enterprises designed to thrive, it's necessary to look to support from the financial service industry. In short, ...
Conditional Sale (CS) Car Finance | Explained.
There is a wide range of finance available for car purchases, each tailored carefully to fit the different needs of potential buyers. While this degree of options is extremely beneficial, it can also be confusing - thankfully, we at Clifton Private Finance are experts! Read on to learn more about ...
Is PCP a Good Idea? An Honest Assessment
At Clifton Private Finance we deal with a wide range of funding options and, when it comes to car finance, PCP finance is one of the most common and - dare we say it? - beloved of all the choices. So, why is PCP so enjoyed in the car finance world? What does it offer, and ultimately, is PCP a good ...
What is a Bridging Mortgage?
A bridging mortgage, usually referred to as a bridging loan, can help you act like a cash buyer when purchasing property. Written by: Sam Hodgson Bridging mortgages, or bridging loans, are short-term property financing solutions designed to help borrowers quickly secure funds, often wit...
What is Cash Flow in Business? | The Full Guide
Simply put, cash flow is the movement of cash into and out of your business. Cash in represents payments from clients and customers, and cash out is the money you spend on running your business. Written by: Sam Hodgson Cash flow is the lifeblood of any business, determining its ability ...
Second Home Mortgages | Everything You Need to Know
What is a Second Home Mortgage? A second home mortgage is a specific type of mortgage used when you are looking for a second family home, perhaps a flat closer to the office, or a weekend home in the countryside. Second home mortgages are typically repayment mortgages, similar to yo...
7 Ways to Get a Business Loan in the UK
When looking at getting a UK business loan, there are many things to consider. With a wide range of products and an even wider range of lenders in the marketplace, it can be the work of ages just to sift through them. Written by: Sam Hodgson There are seven key forms of business f...
Business Vehicle Hire Purchase
When your business needs vehicles but buying them outright isn’t financially viable, business vehicle hire purchase (BHP) offers an established solution. This type of asset finance helps you spread the cost over time, which can ease cash flow and allow you to secure essential vehicles for your...
A Guide To Bridging Loan Interest Rates
Bridging loans interest rates - how do they work and what can you do to keep costs down when using bridging finance to fund a property purchase? Written by: Sam Hodgson Bridging loans can be an excellent way to finance property and are often best suited to circumstances that demand speed and ...
What Happens to My Deposit at the End of PCP?
What Happens to My Deposit at the End of PCP? In a nutshell, you do not get your deposit back at the end of your PCP arrangement - it simply acts as a payment towards the value of your car. Car finance can be filled with complications and confusions - and one of these problems is the use of ...
How To Get A Bridging Loan In Scotland
Acting quickly is essential to closing deals in Scotland's property market, and bridging finance can help - but is it easy to get a bridging loan in Scotland? Written by: Sam Hodgson Whether you're looking to buy Scottish property for commercial or residential purposes, having fast finan...
Can You Add Stamp Duty To Your Mortgage?
What is stamp duty, and is it possible to add it to your mortgage? This guide explains the ins and outs. Written by Sam Hodgson When buying a home, getting caught out by a higher stamp duty tax bill than you expect is the last thing you need. If you can’t afford it, it could mean redu...
Is Equity Release Tax Free?
Is Equity Release Tax-Free? The simple answer is yes, equity release is tax-free, as you don't need to pay income or capital gains tax when you receive equity release funds. But why is this the case, and what other tax benefits can be drawn through the use of equity release? At Clifton Private Fin...
How Long Does Equity Release Take?
How Long Does Equity Release Take? Equity release typically takes around four to six weeks. While in some cases, you may be able to get in faster than the four-week level, it’s uncommon and you should plan for that as a minimum. Here's an initial breakdown that we'll go through in more ...
NEWS: Autumn Budget 2024 - How it Affects the Property Market
In the 2024 Autumn Budget, the government announced several tax changes to fill a “£22 billion hole” in the UK’s public finances. Written by: Luka Ball Labour’s government, which came to power in July, has raised Employer National Insurance contributions, Capital...
Currency Exchange for Buying UK Property - The Ultimate Guide
When buying a property in the UK as an international buyer, currency exchange is a crucial factor that can significantly influence the total cost of your purchase. Whether you’re buying a home to live in or an investment property, fluctuating exchange rates and hidden fees can add thousands o...
How to Use a Bridging Loan to Buy a House in London
Getting on the property ladder in the capital can be challenging - but did you know you could use a bridging loan to buy a house in London? Written by: Sam Hodgson The London property market is notoriously competitive, so when you find the perfect home, you need to move fast. Bridging l...
A Guide to Tractor Finance
For most farms, tractors are an essential part of daily life. Tractor finance is borne from the need to use specialist agricultural machinery like this, even when access to capital is low. Getting quality agricultural machinery is important to keep your farm or agricultural business running. ...
How Much Does An Expat Mortgage Cost?
The main cost of an expat mortgage is the interest rate. Compared to standard mortgages, they're typically about 1% higher than you're standard UK resident mortgage - but this can vary based on your country of residence, income type and currency source, loan to value and more. Read our f...
Should You Get a Tracker or Fixed Rate Mortgage in 2024?
Further interest rate drops could be on the horizon. We're taking a snapshot of the best rates available on the market today for fixed and tracker mortgage products to see how they compare. Written by: Sam Hodgson Inflation has dropped, and it's likely we will see mortgage rates reduced furth...
What Makes it a Business Loan? The Business Loan Definition
What is the definition of a business loan? The definition of a business loan is money lent to a company which needs to be paid back, usually with interest, over a set period of time. And yet obtaining finance for your business can seem overwhelming - getting the right finance for your busines...
Drawdown Equity Release | What You Should Know
When looking at a lifetime mortgage for equity release on your home, one of the greatest concerns that people have is the interest that will be accrued during the life of the mortgage, and how that will affect the amount they leave for their descendants as part of their inheritance. One option is t...
How Long Does a Mortgage Application Take?
A mortgage application generally takes from two to six weeks in the majority of cases. However, that’s quite a wide window and doesn’t include the many other parts of the process. Here’s an outline of the broader property-buying process, from mortgage application to mov...
Mortgage Renewal vs. Remortgaging | Pros & Cons
Your mortgage may stretch for 25 years or even more before it’s repaid, but there will be several times throughout its lifespan when it needs to be revised and renewed. You have two main options when changing your mortgage: renewal and remortgaging. A mortgage renewal is a new mortgage ...
NEWS: 3 Ways The US Election Could Affect the UK Economy
The US presidential election could have a ripple effect on the UK economy, with very different outcomes depending on whether we see a Trump or Harris victory. Written by: Luka Ball Analysts are closely watching how the outcome of the US election could shape the relationship between the UK and...
11 Sources of Business Finance Compared
Sources of business finance can come in so many different forms that sometimes it’s overwhelming. From secured business loans, through invoice financing and specialist VAT loans, to the research-laden world of government loans and grants, the range of options available is truly staggering. T...
Bridging Loan To Buy A House - Example Of How It Works
Did you know a mortgage isn't the only way to fund a property purchase? You could use a bridging loan to buy a house. Time is of the essence when buying a home. In this guide, we look at the numerous ways bridging loans can be used to buy property. theme-element?4298 How Can You Use a B...
Factoring Companies | Comparing Invoice Factoring Options
Using a factoring company can help you solve one of the biggest problems for businesses in the UK: cash flow. Written by: Sam Hodgson Invoice factoring offers businesses a powerful solution to cash flow problems by providing immediate access to funds tied up in unpaid invoices. By partnering ...
Second Charge Mortgages for Buy to Lets
The UK buy-to-let market has undergone significant changes in recent years, with increased regulations and evolving requirements that landlords must meet to remain compliant. One area of growing importance is property energy efficiency. The UK government is pushing for higher Energy Performance Cert...
How To Get A Barrister Mortgage
Securing a barrister mortgage can actually be more challenging than you might expect. As a highly qualified professional with excellent income growth potential, you'd expect getting a good mortgage would be easy. Written by: Sam Hodgson But as a self-employed practitioner with hig...
Buying Property in London as a US Citizen: 9 Things You Need to Know
If you're interested in buying property in London as a US citizen, you're not alone. And if you're wondering how easy it is to get a UK mortgage as a non-UK national, the good news is there are plenty of specialist lenders who will be willing to make you an offer. Written by: Sam Hodgson ...
Getting a Business Loan - 8 Top Tips
Knowing you want a loan for your business is one thing - but how do you go about getting a business loan? At Clifton Private Finance, we have some tips. A business loan is a financial arrangement in which a lender provides funds to a business entity to support its various financial needs...
How to Remortgage Your House (The Right Way)
Whether you're looking for a better mortgage rate or want to release equity from your home, we explain everything you need to know about remortgaging your house. And to speak to an adviser at any point about your situation, please get in touch. theme-element?3825 Table of Content...
Concessionary Mortgages | What You Should Know
We all know that buying a property - especially your first property - can be extremely difficult. While high loan-to-value (LTV) mortgages exist to help first-time buyers, it does often mean accepting a higher mortgage interest rate and you still have to find a sizeable deposit. It is understanda...
SPV Mortgages | Are They Worth It?
Special Purpose Vehicle (SPV) mortgages provide landlords with a powerful alternative to personal buy-to-let mortgages when building a property portfolio, but how do they work and what are their advantages? At Clifton Private Finance we have the answers. To speak to a specialist about arranging yo...
Business Restructuring
Businesses can reach a stage where their current structure is no longer performing and substantial change is needed to continue operating. When looking to create a more effective and profitable business, many CEOs and top management plan a comprehensive program of business restructuring. This invol...
Self Employed Loans with No Proof of Income
For the self employed, sometimes it's hard to prove your income. This is especially relevant when you are looking for larger loans such as business funding or a mortgage. As business and property finance specialists, we've compiled this guide as a run-through of the funding options available ...
Commercial Mortgage Rates
Commercial mortgages are a vital source of finance for British businesses looking to purchase or expand into new premises. But finding a suitable product and navigating commercial mortgage rates can be tricky - here's how we can help. Written by: Sam Hodgson There are some key differences bet...
Supply Chain Finance | Everything You Need to Know
Supply chain finance is gaining traction as a smart solution for businesses looking to strengthen supplier relationships and keep operations running smoothly. Written by: Sam Hodgson This niche financial solution can provide a means to pay your invoices early, mitigate invoice payment delays,...
How to Get a UK Expat Mortgage
How does a UK expat mortgage differ from a standard UK resident mortgage? We cover some of the challenges British expats commonly face when seeking UK property finance and what to expect if you decide to return to Britain. It's true that applying for a UK mortgage as an expat can be more compl...
How Long Should I Fix My Mortgage For?
Understanding how mortgage interest rates and the difference between fixed rate deals and variable rate mortgage can be difficult - there’s a lot to get your head around. Key Takeaways Think about your personal need for stability: Fixed-rate mortgages offer stability in monthly paymen...
Pub Finance | 10 Loan Types Compared
Running a pub is an extremely rewarding business. Many pub landlords enjoy living above the main bar area, combining work and home to create a unique lifestyle of social engagement and profit. At Clifton Private Finance we have specialists experienced in the finer nuances of pub ownership and we&r...
Small Business Loans UK - 5 Things To Know
Statistics published by the UK government at the tail end of 2023 show that out of the 5.6 million private sector businesses in the country, 5.51 million of them are classed as ‘small businesses’, meaning they have less than 50 employees. Given that 95.4% of private sector companies are...
How to Apply for a Business Loan - 9 Steps
At Clifton Private Finance, we work diligently every day to help our clients secure the funding they need to grow their business. One area in particular where even the best business leaders can stumble is with the process of a loan application. In this guide, we take you through the 9 steps t...
Franchise Finance | 3 Best Options Compared
Opening a franchise is a secure way to own a business - and, more importantly, a profitable business. Franchise finance can help with hiring staff, purchasing equipment, and managing cash flow. Written by: Sam Hodgson Statistics published in a 2018 joint report between the Brit...
Asset Based Lending | Everything You Need To Know
For many businesses, asset-based lending is the best solution for capital needs. But what does an asset-based secured loan actually entail? At Clifton Private Finance, we have the answers. Written by: Sam Hodgson What is Asset-Based Lending? Asset-based lending, or asset-based loan...
UK Innovation Grants | The Complete Guide
Innovation grants are a fantastic way for businesses that undertake new scientific or technological developments to get funding. Written by: Sam Hodgson The path to obtaining an innovation grant is not an easy one but the reward is well worth the effort. At Clifton Private Finance, our team ...
Buy to Let Market Seeing Reductions – And it’s Just the Start
The buy-to-let mortgage market is seeing rates fall despite the Bank of England holding its base interest rate at 5%. Lenders are reducing rates to stay competitive - which could benefit property investors. The base rate has been held at 5% for now, but mortgage rates are continuing to drop followi...
Government Start Up Loans | How They Work
One of the questions that many people considering starting a new business ask is: ‘what financial help is there?’ Thankfully, the answer to that is: ‘lots’. In the UK, one of the first places people might like to consider looking is to the government itself, in the form of ...
How to Value a Business
Understanding the worth of your business is a complicated calculation that may not have been considered in some time. When a situation arises where the financial value of your business is needed, it is often necessary to calculate the value from scratch. But how do you go about making a business va...
Can You Have Two Mortgages on One Property
Can You Have Two Mortgages on One Property? Yes, you can have two mortgages on one property - it's known as a second charge mortgage. It's a little more complicated than a yes or no, however, and in this guide, we explain what you really need to know about second charge mortgages, how they co...
Invoice Factoring vs Discounting: Options Compared
Invoice discounting vs factoring is a common debate for businesses small and large looking to raise finance against their unpaid invoices. Invoice finance itself represents a way for your business to weather the storm of invoicing terms - that 30-day or longer period between sending out an invoice ...
SaaS Finance | How To Get SaaS Funding & How It Works
Software as a Service (SaaS) companies have boomed in the last decade, leading to a host of new SaaS finance products that suit their unique needs. Because ultimately, getting the right funding for your business has a lot to do with the nature of your business. theme-element?4057 Finding lend...
Home Reversion Plans | What You Should Know
One of the equity release tools available to homeowners aged 65 and older is the home reversion plan, an arrangement where a portion of the house is sold but you retain the right to live in it until your death. It provides funds now, releasing equity on the house, and there’s no interest ac...
Revolving Credit Facility | The Best Options Compared
A revolving credit facility, sometimes called a “line of credit”, is one of the more powerful tools available to businesses looking to manage their cashflow, but how does it work and what makes it different to the other types of business finance? More importantly - how can you use a revo...
How to Compete Against a Buyer with No Onward Chain
The mortgage process is notoriously slow-moving — we explain how you can compete with cash buyers when you're facing an onward chain. Written by Luka Ball According to research from Zoopla, cash buyers now make up 30% of home sales in the UK. How can you compete if you’re usi...
Commercial Mortgage Deposit | Requirements Explained
Are you a UK business owner looking to purchase a commercial property? One of the first questions you'll need to answer is: how much deposit do you need for a commercial mortgage? As a specialist commercial mortgage broker, we offer tailored solutions with: Market-leading rates, up to 80% LTV (2...
How to Apply for a Mortgage When Retired
Getting a mortgage once you are older can be a more difficult prospect, but it’s not impossible. With a range of mortgage products designed specifically to facilitate property purchase and equity release for older people, obtaining a mortgage once you are over 65 is achievable - provided you ...
HELOC (Home Equity Lines of Credit) | What You Should Know
One of the most powerful finance options available to homeowners in the UK is the HELOC, or Home Equity Line of Credit. A product that releases equity in your home in a flexible and manageable way, HELOCs have been common in the US for decades, but are only recently seeing popularity in the UK, whe...
Mortgages for Older People
Once you reach 55, the landscape for obtaining a mortgage changes considerably, and the closer you are to retirement age (or beyond), the harder it seems to be to get a mortgage. However, with a huge range of specialist products designed specifically for older people, the truth is that the mortgage...
Homeowner Loans | Best Options Compared
When you are looking for personal finance, one question that comes up fairly quickly is ‘are you a homeowner?’ - but why does owning a home make you a better prospect for getting a loan? At Clifton Private Finance, we work constantly to try to find the best loan deal for our customers, ...
