Rates from: Downsizing/Upsizing Releasing Funds From Your Home Short-Term Lease Finance Auction Purchase As at 9th September 2024 Rates from: Light & Heavy Refurb Finance For Unmortgageable Properties Land Purchase with planning As at 9th September 2024 Rates from: Up to 80% LTV Minimum Loan £500k Minimum net income £100k As at 9th September 2024 Thank You for your interest - please complete the form below and a member of our team will be in contact.
Residential
Buying Before Selling?
0.55% pm
Development & Refurb
Fast Finance
0.55% pm
Residential
Large Bridging Loans
0.55% pm
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Purchasing a hotel property before selling an existing property - Where you need to move quickly is a common scenario where the vendor or their agent requires proof of funds to purchase. Where speed is often the key to winning the deal, a bridge loan which can be arranged quickly can make all the difference.
Breaking a mortgage chain - If you are stuck in a mortgage chain with no resolution in sight, bridging finance can provide a solution if the person you are buying from starts to get impatient - We can provide a same-day decision in principle to lend.
Cash flow restrictions - A bridging loan can provide short-term relief when cash is tight. This can be for personal and business purposes. See case study - 18 month bridging loan for hotel owner in Gloucester to pay off outstanding commercial mortgage to avoid repossession »
Bridging finance is required for properties where no planning permission or building regulations are required. Or where there is no change to the overall use or nature of the premises. Examples of this include:
Uninhabitable property - Where standard mortgage companies will not lend on a property that is uninhabitable, a bridge loan can be a good way of providing the light refurbishment required to allow long term finance to be put in place
Under "Permitted Development Rules" - light refurb short term finance can provide the funding required to allow a change of use, e.g. offices into residential flats
Wind and watertight - Can provide finance that allows semi-completed properties that are "wind and watertight" to be taken through to completion
Internal redecoration - Funding for internal refurbishment to finance redecoration
Where bridge loan finance is required for properties where planning and or building regulations are required. Or where there is a change of use in the nature of the building premises.
Basement excavations/digs - Work of this nature often has structural implications but can add significant value to a property.
Loft conversions - In the search for more space, many developers are converting loft space to get more value out of the property.
Property extensions - Increasingly a simple way to add value
Multi-unit to single unit - will depend on the property
Commercial to residential use - a growing area for developers, particularly converting former hotels to residential accommodation
Where property has an existing mortgage (first charge), capital can be raised for;
Hotel improvements - e.g. Extensions, loft conversions
Deposit for a second hotel purchase
Business purposes - e.g. funding new hotel property
Tax Bill - e.g. Inland Revenue bill for VAT, CGT and corporation tax
We can access some of the best rates in the market
Need to move quickly - We can help get you the finance you need fast
Excellent customer service
Call us on 0117 959 5094 to discuss your requirements.
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
