Specialist

Private Bank Mortgages

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Private Bank Mortgages 

Clifton private finance

We specialise in sourcing private bank mortgages on residential and commercial property transactions in the UK

For private bank mortgage loans we work with selected private banks that work on a bespoke basis.

We can offer you private banking options providing:


2 Year Fixed

Up to £1m

1.10% APR

2 Year Fixed Rate (Purchase)

Subsequent rate 3.59%

LTV - 60%

APRC 3.4%*

Interest Only - Yes

Cashback - £250

Product Fee £999

Early Redemption Charges - Yes

As at 15th November 2021

5 Year Fixed

Up to £1.5 Million

1.34% APR

5 Year Fixed Rate (Remortgage)

Subsequent rate 3.59%

LTV - 60%

APRC 2.7%*

Interest Only - Yes

Product Fee £999

Early Redemption Charges - Yes

As at 15th November 2021

5 Year Fixed

Up to £2 Million

1.49% APR

5 Year Fixed Rate (Home Mover)

Subsequent rate 3.54%

LTV - 75%

APRC 2.8%*

Interest Only - Yes

Free Legals - Yes

Product Fee £0

Early Redemption Charges - Yes

As at 15th November 2021

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Thank You for your interest - please complete the form below and a member of our team will be in contact.

*Overall Cost For Comparison


Call us on 0203 900 4322 to discuss your requirements or request a call-back at a time that suits you.
Recent

Property Finance Deals

Director Loan Used as Deposit for Large Self Employed Mortgage
Director's Loan Used as Deposit for Large Self Employed Mortgage
Area
London
Capital Raised
£1.6m
Quick Mortgage Arranged to Raise £1,286,250 For London Home Within Two Weeks of Making an Offer
Quick Mortgage Arranged to Raise £1.2m For London Home Within Two Weeks of Making an Offer
Area
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Capital Raised
£1.29m
Bridging Loan Example: £2.85m Bridging Loan to Buy High Acreage Home Before Selling Existing Property
£2.85m Bridging Loan to Buy High Acreage Home Before Selling Existing Property
Area
Buckinghamshire
Capital Raised
£2.85m
Residential mortgage for £20m Surrey home owned via overseas company with complex self employed income
Residential mortgage for £20m Surrey home owned via overseas company with complex self employed income
Area
Surrey
Capital Raised
£13m
Million Pound Bridging Loan Across Two Country Homes with Drawdown Flexibility to Fund Classic Car Purchases
Million Pound Bridging Loan Across Two Country Homes with Drawdown Flexibility to Fund Classic Car Purchases
Area
East Sussex
Capital Raised
£1.7m
£2.7m High LTV Purchase for Partner in US Equity Firm
£2.7m High LTV Purchase for Partner in US Equity Firm
Area
North East England
Capital Raised
£2.3m

More Opportunities »

Contact Us

 Private Bank Mortgage Service

We can offer:

Our service provides creative solutions for large mortgage transactions. 
Call us on 0203 900 4322 to discuss your requirements or request a call-back:

Book Consultation


The Challenge:
For larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.
Typically many high street lenders will cap lending at 70% to 75% LTV (loan to value) e.g. on a central London property for example priced at £5 million as a borrower you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but from an affordability perspective can easily afford to borrow at a high level.
The Solution:
The good news is that we work with private banks that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions which are tailored to a client’s needs.
For example many of our clients want to work on an interest only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million restricting the interest only portion to anything from 50% to 75% LTV.
We work with private banks that look at your full financial profile which means we can often source lending solutions that are purely bespoke.
Recent Case:
We were able to secure a 95% LTV mortgage on a £1.9 million property.
In this case we worked with a private bank who took a positive view on the client's future earnings prospects in the legal profession.
With just a 5% deposit the client borrowed £1.8 million with a blended rate on a 5 year fixed rate.

More case studies »

What Our

Clients Say

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Get in Touch

If you have any questions about our services or want to start making things happen please contact us