Mortgages

We offer advice on a wide range of mortgages and have access to a diverse panel of lenders.
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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.

Standard Mortgages

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First Time Buyer

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Remortgages

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Buy-to-Let

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Equity Release

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Self Employed Mortgage

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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.

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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 and guide you right the way through the entire process until you own your new home and beyond.

After the initial consultation (which can be by phone, video call or in person), we search the whole of the mortgage market to find you the best mortgage option for your circumstances and discuss these with you, providing you with all costs that are related to the mortgage throughout the term. We will also ask for documentation that is commonly required by most lenders to help speed up the process.
Once you have chosen the option that suits you best, we will obtain a Decision in Principle which will help you when choosing a property to purchase.

When you have found a property and an offer has been accepted you can contact us to complete and submit the full application to the lender for you.
We can also help with obtaining a Solicitor’s quotation to assist with the legal aspect of the purchase.

Remortgages

Whether your current mortgage rate is coming to an end and a product transfer is needed or to raise capital for improvements, debt consolidation or buying out a fellow owner, we can help you remortgage.

After the initial consultation (which can be by phone, video call or in person), we search the whole of the mortgage market to find you the best remortgage option for your circumstances and discuss these with you.

We will also ask for documentation that is commonly required by most lenders to help speed up the process. Once you have chosen the option that suits you best, we will obtain a Decision in Principle and proceed to application if accepted.

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.

Equity Release

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.
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.
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We have a built a wide range of contacts and we will find you the best mortgage solution from a range of providers across the whole market to make sure you get the best deal.

So whether it’s a simple remortgage, to financing a buy to let investment portfolio, we’re here to help you.

Your Data

Financial Web Ltd Trading As Clifton Mortgages will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information.

Why do you need my data and what will it be used for?

We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK.

Who is my data shared with?

Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.

How long do you keep my data for?

We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing of your data. To do this, please contact [email protected]

What are my rights?

You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at [email protected]. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk