Buying a home is the largest purchase you're likely to make. Before you arrange your mortgage, we make sure that you know what you can afford to borrow.
We give whole of market advice to recommend the most suitable mortgage for you; explaining the different types and how the process works.
We do the research on your behalf and complete all the paperwork to give you more time doing the things you like. Our process is fast and efficient, offering whole of market access for first time buyers, home movers, remortgage customers, buy to let, retirement interest only and equity release.
Buying a home
Whether you're buying your first home, moving house or helping a family member to buy a property to live in, we're here to help you right the way through the entire process.
From a simple product transfer to raising capital for improvements, debt consolidation or even buying out a partner, we can help. You may have to pay an early repayment charge to your existing lender if you remortgage.
Buy to Let Mortgages
Whether you're looking at purchasing a single property to refinancing a whole portfolio or even advice regarding limited company finance, Clifton Mortgages has many years of experience that you can count on.
Not all Buy to let Mortgages are regulated by the Financial Conduct Authority.
Bridging or development finance
Stuck in a chain or looking to develop a property? We have access to a range of specialist finance providers and solutions to get your project moving. Bridging finance is arranged by introduction only. Not all forms of Property Development Finance are regulated by the Financial Conduct Authority
Equity release is a way of releasing the wealth tied up in your property without having to sell it and move home.
You can either borrow against the value of your home or sell all or part of it in exchange for a lump sum or a regular monthly income (although this is becoming less common). Some plans give you the option to “draw down” further equity (cash) at a later date, based on your requirements.
It is designed to help those aged 55 plus who either own their property outright or have relatively small mortgages left to pay although you can use it to boost your borrowing power and buy a bigger property.
You can either take out a loan against your home or sell part or all of it to a third party who gives you the right to live in it for life. You can also pay the interest each month, pay part of it or add it to the loan and pay nothing.
If you pay nothing, the loan is repaid upon your death or if you move into long term care and are unlikely to return.
A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.