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NEWS: Will House Prices Drop in the UK in 2024? [September 2024]
Will house prices go down in the UK? Interest rates have dropped, and purchasing activity has ticked up - here's our forecast for house prices in the coming months of 2024. Written by: Sam Hodgson High interest rates, escalating inflation, and the cost-of-living crisis caused a slump in the m...
Bridging Loan vs Mortgage: Which Is the Right Choice for You?
Bridging loans and mortgages are both primarily used for property purchases, but there are scenarios better suited to both types of property loan. The question is, which one would work best for you? Both types of loans are known as “secured loans”. They both require collateral, an ...
Commercial Mortgage Rates
Commercial mortgages are a vital source of finance for British businesses looking to purchase or expand into new premises. With the right mortgage deal and favourable commercial mortgage rates, companies can fund growth and secure ideal commercial spaces. However, there are some key differences be...
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, ...
How To Get A Bridging Loan To Buy, Refurbish And Sell A House
If done correctly, property flipping can provide healthy returns. If you've found a 'fixer-upper,' you could use a bridging loan to refurbish and sell it. Unless you have a significant amount of cash at your disposal, you will likely need to borrow finance to fund the purchase and renovat...
NEWS: Best Place to Invest in Property 2024 Revealed
High rental demand and growing property prices – here's why Bristol has been named the best place to invest in property in the UK. Written by: Sam Hodgson According to Aldermore’s Buy to Let Tracker, Bristol has been named the Best City for Property Investment in 2024. The decisio...
NEWS: Are Mortgage Rates Going Down? [September 2024]
The Bank of England base rate has been reduced to 5% after being held at 5.25% for a year. What's next for our mortgages? Written by: Sam Hodgson The Bank of England has reduced the base rate to 5%, the first reduction in over four years. This is the moment that many homeowners, investors and...
IT Contractor Mortgages: How They Work
As an IT contractor in the UK, you're part of a thriving and innovative workforce. Your unique employment status offers flexibility and often higher earning potential. However, when it comes to securing a mortgage, traditional lenders may struggle to understand your financial situation. Your inco...
Mortgages for Accountants: How Much Can You Borrow?
As an accountant in the UK, your career offers financial stability and a promising future, making you an attractive candidate for mortgage lenders. Whether you're a trainee, a newly qualified accountant, or a self-employed professional, understanding the mortgage options available to you is crucial ...
How Commercial to Residential Conversions Work | Change of Use
What is a commercial to residential conversion? These construction projects present an exciting opportunity for SMEs and property developers in the UK. For over a decade, the country has not built enough homes to meet the ever-growing demand. This grim reality has had various eff...
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 Use a Bridging Loan to Buy a House Before Selling Your Current Home
In an ideal world, we'd all wait to sell our old house before buying a new home. But in reality, it's not always possible: the market may be slow, a buyer may have dropped out, or you might want to do renovations before moving in. Short-term borrowing allows a financially-aware buyer t...
SME Finance | The Best Funding Options Compared
UK statistics show that over 99% of the business landscape is made up of small and medium-sized enterprises (SMEs), with over 5.5 million SME businesses in the country. It is of no surprise, therefore, that the market for finance products tailored for the needs of SMEs is so well developed. SME fin...
Mortgages for Engineers | How They Work
As an engineer in the UK, your expertise and career trajectory can open doors to specialised mortgage options. Whether you're employed, self-employed, or working as a contractor, understanding how to leverage your professional status for a mortgage is crucial. In this comprehensive guide, we'l...
How to Get an Optometrist Mortgage
Are you an optometrist looking to secure a mortgage in the UK? Your career offers unique advantages when it comes to property financing. Whether you're aiming to buy a home or invest in your own practice, understanding how to leverage your professional status for a mortgage is crucial. Let's expl...
Mortgages for Company Directors: How to Use Company Profit to Get the Size of Loan You Need
If you're looking at what mortgages are available for company directors, it's likely that you may need a mortgage lender to include your company's profits towards your affordability calculations. Written by Sam Hodgson A large portion of high street lenders won't accept your company pro...
How Much Does a Business Loan Cost?
Some business loan costs are clear, such as interest rates, and others are a little more niche. Here at Clifton Private Finance, we like transparency, which means we want our customers to be fully informed of any costs before proceeding with a loan that we advise on. theme-element?4192 Thi...
Business Loans For Limited Companies
If you're the director of an incorporated business, you may need access to a limited company loan to boost developmeny or support cash flow when times are tough. Limited company loans are a specialist type of business finance available to help limited companies. As a limited company,...
Purchase Order Finance
Growing your business often requires you to stretch to the very edge of your means. In some instances, this can mean accepting an order from a customer that requires a major investment in terms of stock that you cannot accomplish alone. The idea that you are sitting there with a trusted purchase or...
Revenue-Based Finance | What You Should Know
Among the alternative methods of funding, revenue-based finance (also called ‘royalty financing’) offers businesses access to non-dilutive capital without the risk of personal director's guarantees or the costs of interest rates. But what is revenue-based finance (RBF)? How does it work...
Growth Guarantee Scheme Loans Explained
In today's dynamic business landscape, access to capital is crucial for growth and innovation. The UK government's new Growth Guarantee Scheme Loans are set to revolutionise how small and medium-sized enterprises (SMEs) secure funding for expansion. This initiative, which replaces the successful R...
Ecommerce Finance | 8 Options Compared
Ecommerce is big business in the UK. With online and mobile transactions taking up more than a third of the overall retail sales in the country and growing. Ever since the COVID pandemic, e-commerce has become the go-to method of buying goods for most UK households, so it’s no wonder tha...
IPO Financing | How It Works
Moving from a limited company to a public one is one of the most significant stages of company growth in a business’ life. It is a very complex project that requires a considerable amount of business stability to undertake, and a core part of that stability is regarding the financial capacity...
What Are DSCR Loans and How Do They Work?
DSCR loans are becoming increasingly popular in today's market. Instead of using your credit history, your eligibility for a DSCR loan is calculated using the projected income of the assets you'll be purchasing with the loan. Written by Sam Hodgson Lenders and investors constantly seek to mitigate...
Bank of England Reduces Base Rate to 5%: What it Means for Your Mortgage
On August 1st, The Bank of England reduced the base rate to 5.0% from 5.25%. Although just a quarter of a percent reduction, it marks the first rate drop since 2020 when rates reached an all-time low. Recently in the mortgage market, the first 5-year fix product under 4% has also become avail...
Which UK Banks Offer Expat Mortgages?
As a British expat dreaming of owning property back home, you might find yourself wondering which UK banks offer mortgages tailored to your unique situation. While securing a mortgage from abroad can be more challenging than for UK residents, several banks and building societies provide specialised...
How to Get Finance to Buy an Uninhabitable Property
Can you get a mortgage on an uninhabitable property? Before you start looking for finance, there are a few things you should know. Written by Sam Hodgson It’s the bargain of the century - a wreck which could be your dream home. Or it’s a profitable "doer-upper...
Living In Dubai? 4 Ways to get a UK Expat Mortgage
If you're a British national looking to get a UK expat mortgage from Dubai, you may be wondering what's available for you. Written by Sam Hodgson There are a variety of reasons you may want to purchase a property back home. It might be an investment, or you may be planning on retur...
Mortgages for Actuaries
Are you an actuary looking to secure a mortgage in the UK? Your career path offers unique advantages when it comes to home financing. Leveraging your career's stability and potential for growth can unlock access to more favourable mortgage terms and higher borrowing limits. Whether you're employed...
How To Get A Second Charge Mortgage
Using a second charge mortgage, you can release funds from your property without changing your primary mortgage. Second charge loans, also known as secured or homeowner loans, are increasingly popular with homeowners looking for a way to raise capital for home improvements, pay off existing debt or ...
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...
Expat Mortgage Rates | What You Need to Know
Expats looking for UK mortgages have a few more hoops to jump through than UK residents, but there’s nothing stopping UK nationals who live abroad from making good use of the UK property market. Here at Clifton Private Finance, we’re experts in getting the best expat mortgage rates - he...
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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? Short-term finance such as bridging loans can be a very helpful form of finance for the right borrower, depending on your cir...
How Much Does a Bridging Loan Cost?
Bridging loans typically cost 1-2% of your loan size, charged as an arrangement fee by your lender. You also usually pay: A monthly interest rate Valuation or survey fees Legal fees Broker fees Other admin fees, such as drawdown and redemption fees This might seem like a l...
Bridging Loan To Buy A House - Example Of How It Works
If you've found the property you want to buy and need to move quickly, one option is to use a bridging loan to buy a house. We look at some examples of how bridging loans can be used to buy property. How Can You Use a Bridging Loan To Buy a House? In the past 15 years, bridging loans have quickly ...
Unregulated Bridging Loans - 6 Things you need to know
Unregulated bridging loans typically offer more flexible loan terms and quicker turnaround times - but how else do they differ from regulated bridging loans? Unregulated bridging loans are short-term financial solutions commonly used to provide funding until longer-term financing can be secured or ...
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...
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How to Get a Limited Company Buy to Let Mortgage
Is it better to buy a buy to let property through a limited company or special purchase vehicle (SPV)? Whether you're buying your first investment property, or are an established private landlord, the tax benefits of mortgaging your property through a limited company can be sig...
How to Get Refurbishment Finance for a Buy to Let Property
Buy to let refurbishment finance can empower you to take advantage of investment opportunities by providing funding quickly. You've spotted a fixer-upper that could generate handsome rental income with some TLC. Projects like this can offer huge ROI, but it can be difficult to get a mortgage fo...
How To Get A UK Expat Buy To Let Mortgage
Getting an expat buy to let mortgage can be trickier than if you live in the UK - but it can be done. If you're a UK national living in another country, you may be trying to figure out how to finance a property back home. Perhaps you're looking to keep a house y...
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. The UK property market is the...
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...
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 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,...
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...
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: Buyer Demand 11% Higher in 2024
In our property market update, research shows a renewed demand for property among property investors and first time buyers. In this article, we take a look at the key changes in the UK property market since 2023. Research across multiple lenders has shown that the new year brought a restored ...
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...
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 ...
My House Has Gone Up In Value: Can I Remortgage?
One of the most common reasons homeowners choose to remortgage is because the value of their house has increased. How does this process work? If you have more equity in your home than when you first took out your mortgage, you can remortgage to get a better deal with lower rates...
How to Get a Skilled Worker Mortgage
You may be wondering if you can buy a house in the UK on a skilled worker visa - and the answer is a resounding yes! There are some additional challenges, but it is very much possible with the right lender. A Skilled Worker Visa (also known as the Tier 2 visa before Decembe...
Mergers and Acquisition Finance
Mergers and acquisitions provide companies with essential methods to expand business and reduce competition, but how are these large financial endeavours funded? At Clifton Private Finance, our business finance team have the answers. theme-element?3825 Contents What Are Mergers and Acquisitio...
Can You Get a Mortgage for a Boat? | Options Compared
From canal narrowboats to sailing yachts, getting the funding necessary for buying a boat is within reach. Let us at Clifton Private Finance untangle the complexity of marine mortgages and boat finance. Contents Buying a Boat - The BasicsMortgages for Boats - 8 Things to KnowMortgage for a Bo...
The Ultimate Guide to Buying Property in St John's Wood
St John's Wood stands as a prestigious and sought-after neighbourhood, favoured by affluent families, successful professionals, and international buyers seeking a blend of urban sophistication and leafy tranquillity in Prime Central London. This comprehensive guide explores St John's Wood's propert...
The Ultimate Guide to Buying Property in Regent's Park
Regent's Park, a crown jewel in London's property landscape, offers an unparalleled blend of regal history, verdant open spaces, and prestigious residences. This iconic area, home to the eponymous Royal Park, London Zoo, and world-class cultural institutions, has long been a magnet for discerning bu...
Remortgaging After a Bridging Loan | How it Works
Buying a property with a bridging loan and then remortgaging afterwards is a popular strategy for homebuyers and property investors alike. A bridging loan gives you the speed, flexibility, and 'cash-buyer status’ to snap up your dream property and beat the competition. As soon as you can ref...
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. While it’s very difficult to predict the twists and turns down the road as the conflict develops, the f...
How to Get a Fast Second Charge Mortgage
You can access the equity in property you own – your home, a holiday property, a rental property or commercial premises – to raise money for a wide variety of purposes. And this kind of finance can be arranged in a matter of days. Written by: Sam O'Neill & Sam Hodgson...
The Ultimate Guide to Buying Property in Maida Vale
Maida Vale, a charming and sought-after neighbourhood in West London, offers a unique blend of tranquil residential streets, picturesque canals, and excellent transport links. Known for its elegant Edwardian and Victorian architecture, tree-lined avenues, and the famous Little Venice area, Maida Val...
RESEARCH: House Prices Grow More Under Labour Than Tories Historically
Bristol, 29/07/2024 - New research from Clifton Private Finance, a leading property finance brokerage, reveals how property prices have risen under the different political parties in the UK. Key Findings: House prices have grown more under a Labour government than under Tory leadership over ...
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...
Mortgages For Solicitors: Finance to Suit the Legal Profession
It's well-known within the mortgage industry that solicitor mortgages have unique advantages. If you’re working in the legal profession, you could get preferential mortgage terms for your property purchase. Whether you’re a qualified solicitor or barrister or you’re still completi...
Can I Remortgage to Buy a Second House?
Many people remortgage their home as a way to free up capital to put towards a second property. If you’ve been repaying your mortgage for many years, you’ll have built up a chunk of equity in your home that you can’t really access – unless you remortgage to release it. A po...
The Ultimate Guide to Buying Property in Marylebone
Marylebone, a gem in the heart of London, offers a unique blend of village-like charm and urban sophistication. Known for its elegant Georgian architecture, chic boutiques, and proximity to some of London's most beloved green spaces, Marylebone has become one of the most sought-after residential are...
How To Get A Renovation Mortgage
A renovation mortgage is designed to help property owners finance the cost of renovating or remodelling their property. Whether you're a first-time buyer, a property developer, or anywhere in between, choosing the right finance for buying a renovation property is as important as choosing the d...
The Ultimate Guide to Buying Property in Holland Park
Holland Park's unique blend of natural beauty, historic charm, and urban sophistication makes it an enduring favourite in the Prime Central London property market. Despite recent market fluctuations, the area's fundamental appeal remains strong, offering excellent opportunities for both homeowners a...
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”. For businesspeople,...
The Ultimate Guide to Buying Property in Belgravia
Belgravia, one of London's most exclusive and elegant neighbourhoods, offers an unparalleled blend of historic grandeur and modern luxury. Known for its white stucco-fronted townhouses, pristine garden squares, and prestigious address, Belgravia exudes sophistication and global allure. This compreh...
What Proof of Income Do I Need To Get a Mortgage?
It varies from lender to lender, but mortgage providers will require the following proof of income for your mortgage application: 1-3 of your most recent payslips Your P60 (for up to 2 years) Evidence of 2-3 years of bonuses if they're a significant chunk of your ...
NEWS: Business Finance Success Down to AI and Technology
Emerging technology is helping specialist lenders revolutionise business finance. Challenger banks and small lenders are at the forefront of providing business finance for SMEs, providing a quicker, more efficient service. Written by Luka Ball New technology, such as automation and AI, are moderni...
Applying for Retrospective Planning Permission: Is it Worth the Risk?
Retrospective planning permission is a common occurrence in the property development world. You may have made an honest mistake during building works and only realised afterwards you need permission. Or you may have discovered you can’t sell your house unless it matches the land registry recor...
How Much Does Asset Finance Actually Cost?
Asset finance has two main costs: interest rates and fees. Interest rates vary depending on the market and base interest rate at the time, but currently sit between 6.87% - 15.04% per annum. Fees will vary based on the lender you use, the exact product you take out and the terms o...
Can I Borrow Against a Property With No Mortgage?
If you own your property outright, you may be wondering if it's possible to secure a loan against a property with no mortgage. You'll be pleased to know that it is possible and a few options exist. So what are they? Many homeowners look to access cash to help get through extraordinary circumstances...
Intellectual Property Finance | How It Works
In today's knowledge-driven economy, intellectual property (IP) has become a cornerstone of business value. Yet, many high-growth companies find themselves asset-rich in IP but cash-poor when it comes to traditional collateral. This disconnect has led to an estimated £15 billion funding gap ...
The Ultimate Guide to Buying Property in Victoria
Victoria, a vibrant and dynamic area in the heart of London, offers a unique blend of historic charm and modern sophistication. Home to iconic landmarks such as Buckingham Palace, St. James's Park, and the Victoria Palace Theatre, it’s an area of prestige and cultural significance for London. ...
The Ultimate Guide to Buying Property in Westminster
Westminster, the heart of London's political and cultural landscape, offers an unparalleled blend of historic grandeur and modern sophistication. Home to iconic landmarks such as the Houses of Parliament, Westminster Abbey, and Buckingham Palace, this area exudes prestige and global significance. T...
How to Find and Download Tax Documents for a UK Mortgage
If you're self-employed and applying for a UK mortgage, you'll need to find and download the right tax documents for your application. Read our guide for clear and easy steps to navigate this essential part of your self-employed mortgage application. For self-employed borrowers, lenders a...
The Ultimate Guide to Buying Property in Pimlico
Pimlico, situated in Central London, exudes a unique blend of historic charm and contemporary living. Its graceful garden squares and iconic Regency-style architecture contribute to its timeless appeal. This comprehensive guide will walk you through everything you need to know about purchasing prop...
The Ultimate Guide to Buying Property in Soho
Soho, nestled in the heart of London's West End, is a vibrant and eclectic neighbourhood known for its rich history, cultural diversity, and thriving entertainment scene. As one of Prime Central London's most sought-after areas, Soho presents a unique opportunity for property investors and homebuy...
Buying Commercial Property | Everything You Need To Know
Commercial property investment in the UK, whether for direct use by your business or as an investment to secure tenants, is a stable and often profitable venture. Understanding the landscape for commercial property across the country requires some time and research - so, we’ve written this gu...
Asset Finance Rates | With Free Quote
Asset finance is one of the best ways for a business to have the buying power it needs to grow. With a range of products designed for both the purchasing of assets, or utilising those assets to free up equity as capital for future expansion, loans and financial products that use assets as collatera...
How To Get A UK Mortgage With A Foreign Income
Whether you're working abroad or a British resident earning in a non-pound sterling currency, applying for a mortgage with a foreign income can have its obstacles. Many high street banks will shy away from borrowers on a foreign income. Still, whether you're earning in Euros, Dollars, or Yen,&...
Operating Lease | What You Should Know
What is an Operating Lease? The easiest way to think of an operating lease is that it’s a rental arrangement. If you’ve ever hired a car for a few days, chances are you have experienced a short term operating lease. When it comes to asset finance, there’s a whole spread of option...
Sole Trader Mortgages | What You Should Know
One of the greatest financial worries that sole traders face is that of obtaining a mortgage. There’s a lot of conflicting advice that floats around - from how you prove your income to the size of a mortgage you might be able to get - that it can become confusing. At Clifton Private Finance,...
News: How Clarkson's Clause Has Changed Agricultural Permitted Development
In a bid to boost rural economies, the government has introduced more leniency surrounding permitted agricultural development. Under the new "Clarkson's Clause," farmers can now convert disused agricultural buildings into multiple homes and shops without planning permission. This change is part of ...
NEWS: Average Mortgage Repayments Up 60% Since 2021
The average buyer's annual mortgage repayments in 2024 have reached £11,400, and getting a good deal is more important than ever. According to new data from Zoopla, the average homeowner in the UK faces annual mortgage repayments of £11,400 in 2024. This is up 60% since 2021, when repay...
The Ultimate Guide to Buying Property in Bloomsbury
Bloomsbury, a distinguished neighbourhood in the heart of Inner London, seamlessly blends rich cultural heritage with vibrant urban living. Known for its literary connections, world-class educational institutions, and elegant Georgian squares, Bloomsbury offers a unique residential experience that a...
The Ultimate Guide to Buying Property in Fitzrovia
Fitzrovia, an upscale residential area nestled in the heart of London, seamlessly blends cultural significance with a thriving city lifestyle. This distinctive neighbourhood, known for its architectural diversity and cultural gravitas, offers a unique blend of historical landmarks and modern dynamis...
NEWS: A Guide to the Most Expensive Streets in the UK
Are you dreaming of living on one of the most expensive streets in the UK? Or perhaps you're just curious about what makes a truly prime property location? In this post, we take a tour of the streets with the highest average property prices in each area of the UK, according to recent data...
The Ultimate Guide to Buying Property in Knightsbridge
Knightsbridge is quintessentially prime central London (PCL), epitomising luxury and exclusivity in one of the world's most desirable residential property markets. At Clifton Private Finance, we proudly guide discerning clients through the nuances of this prestigious market, providing tailored fina...
Hire Purchase for Business | What You Should Know
When it comes to asset finance, hire purchase for businesses is one of the most established loan arrangements to exist, yet there’s still so much confusion regarding what it is and how it works. In this guide, we get into the nitty gritty of hire purchase agreements for businesses and&nb...
The Ultimate Guide to Buying Property in Notting Hill
Notting Hill: a vibrant jewel in the heart of Prime Central London (PCL), celebrated for its picturesque streets, dynamic cultural scene, and prestigious properties. Here, in this detailed guide, we at Clifton Private Finance will walk you through an in-depth look at the local property landscape. E...
How to Get a Construction Loan if You're a First Time Developer
Development finance lenders exist to provide construction loans to individuals and companies to make the best return possible over the shortest space of time, at the least possible risk. It's their raison d'être. On the other hand, you have a terrific development opportun...
Confidential Invoice Finance
One of the greatest concerns for many businesses looking for invoice finance, is the damage it could potentially have on their B2B client relationships. Understanding what the differing types of invoice finance are, and the subset of confidential invoice finance, will help you select the right prod...
The Ultimate Guide to Buying Property in Kensington
Kensington stands as a vibrant and affluent neighbourhood, long favoured by young professionals, celebrities, and wealthy families seeking the epitome of luxury living in Prime Central London. This comprehensive guide delves into the area’s property market, exploring pricing trends, rental yi...
The Ultimate Guide to Buying Property in South Kensington
South Kensington stands as one of Prime Central London's most desirable neighbourhoods, renowned for its grand Victorian and Edwardian architecture and proximity to iconic cultural destinations. Favoured by affluent individuals, this upscale area offers a unique blend of historic charm and modern ...
The 8 Best Ways to Finance Home Improvements
The time has come in your journey as a homeowner - you're refurbishing your house and looking for the best ways to finance your home improvements. You might be giving your property a total makeover, or you might be making changes to a rental property. Refurbishment costs can add up, and in a s...
Prime London Property Market Forecast
In the ever-evolving landscape of global property markets, few markets command the prestige of Prime Central London (PCL). Central London contains some of the worlds most coveted addresses, and has long captivated the imaginations of discerning investors and affluent individuals. Nestled within the...
Interest Only Vs Repayment Mortgage: Which Is Best?
Deciding between an interest-only or repayment mortgage is an important financial decision. Here, we look at the key differences between these mortgage products and how a specialist mortgage advisor can help you choose the right mortgage for you and your circumstances. When buying a ...
Can I Get A Mortgage For 5 Or 6 Times My Salary?
Is it possible to borrow more than 5 times your salary? Amidst high interest rates, mortgage affordability is on the mind more than ever. It’s not just hard-pressed first-time buyers who need to maximise their salaries' borrowing potential to get a toe-hold on the property ladder. Even...
