UK Property & Business Finance
Award-winning UK lending advice for property and business.
Whole-of-market residential, bridging, development and commercial finance arranged by an award-winning UK brokerage for individuals, businesses and international clients.
Get Your Finance Assessment
Two quick steps. A specialist will respond within one working day.
- 40+ lendersWhole-of-market panel
- 4–8 weeksTypical completion
- Rated ExcellentClient reviews
- No obligationFree initial review
In short
How do international buyers finance UK property?
International and expat buyers can usually borrow up to 75% of a UK property's value, on personal or limited-company terms, over five to thirty years. Foreign-currency income is accepted with a haircut, and a well-prepared application completes in around six to ten weeks.
- Residential, buy-to-let, holiday-let and commercial purposes are all covered.
- Bridging can complete in one to three weeks on time-critical purchases.
- Non-UK residents pay a 2% SDLT surcharge on residential purchases.
- Private banks support larger prime London and country-house transactions.
What we arrange
Specialist UK finance across property and business.
From a high-value residential mortgage to a multi-million-pound development facility, one adviser manages the full transaction — lender selection, negotiation and completion.
Residential Mortgages
High-value residential lending, expat and international income cases, private bank introductions.
Bridging Loans
Fast short-term facilities secured against UK property — regulated and unregulated.
Development Finance
Ground-up, conversion and refurbishment funding for UK residential and mixed-use schemes.
Commercial Property Finance
Owner-occupier, investment and portfolio commercial mortgages across the UK.
Remortgage
Refinance existing UK mortgages to improve terms, release equity or restructure debt.
Currency Hub
GBP transfers, forward contracts and how currency fits your mortgage — with questions and real cases.
Buy-to-Let & Portfolio
Individual, SPV and portfolio buy-to-let structures via mainstream and specialist lenders.
Why Clifton International
An award-winning, independent UK brokerage.
Winners of B&C's Regulated Bridging Broker of the Year 2026, recognised by NACFB and What Mortgage. We combine specialist market access with a bespoke, client-first advisory approach.
Independent, whole-of-market advice
Access to high-street banks, private banks and specialist lenders — with no lender bias.
High-value & complex cases
Large mortgages, private bank introductions, HNW, self-employed, expat and international income.
Bridging & development specialists
Regulated Bridging Broker of the Year 2026, deep relationships across the short-term market.
One senior adviser
You deal with an experienced specialist end-to-end — not a case handler or call centre.
FCA authorised
Fully authorised and regulated by the Financial Conduct Authority.
Selected case studies
Recent UK transactions
£1.3M bridging loan to support a significant upsize in Leeds
£1.3m regulated bridge to help a Leeds family secure a significantly larger home before selling their existing property — funded in under 3 weeks.
£1.3m · 65% LTV · 12-month regulated bridge
£230k bridging loan secured against UK property to buy a Malaga apartment
A regulated bridging loan raised against an unencumbered Edinburgh home to secure a £230k apartment in Malaga, Spain — completed in 36 days.
£230k · c.25% LTV · 36 days to completion
£1.2M bridging loan secured to complete dream home purchase in Oxfordshire
£1.2m chain-break bridge that saved a rural Oxfordshire purchase after the buyers' onward sale collapsed at the eleventh hour.
£1.2m · 60% LTV · chain-break bridge
Our process
A clear, considered path to completion.
- 01
Initial consultation
A confidential discussion to understand your objectives, timeline and profile.
- 02
Funding strategy
We prepare a bespoke strategy identifying the most suitable lenders and structures.
- 03
Lender negotiation
We approach lenders directly on your behalf and negotiate the sharpest terms available.
- 04
Offer & completion
We manage valuation, legal and drawdown through to funds released.
Common questions
UK property finance questions.
Can expats get a UK mortgage?
Yes. British expats and foreign nationals borrow against UK property regularly, though the lender panel is narrower and most expect a larger deposit, typically 25% or more, plus evidence of foreign income.
How quickly can a UK bridging loan complete?
Straightforward bridging cases can complete in one to three weeks where valuation and legal work run in parallel and the exit is clearly evidenced. Complex security or title issues extend that timeline.
Will foreign currency income be accepted?
Many UK lenders accept USD, AED, EUR and other major currencies, applying a haircut of 10–25% to the converted figure to absorb exchange-rate movement over the mortgage term.
Do you arrange development and commercial finance too?
Yes. We introduce clients to intermediaries arranging ground-up development, conversion and refurbishment funding, alongside owner-occupier and investment commercial mortgages across the UK.
Is there a fee for initial advice?
No. The first conversation and any indicative terms are free and carry no obligation. Any fee that becomes payable is disclosed to you in writing before you proceed.
Ready to explore your options?
Speak to a UK property finance specialist.
A discreet, no-obligation conversation with a UK-based adviser who understands the full UK lending landscape — residential, bridging, development and commercial.