Clifton Private Finance

What Clifton Private Finance does

Clifton Private Finance Limited is a UK-based independent mortgage, bridging loan, and business finance brokerage founded in 2016 and headquartered in Bristol with additional offices in Cardiff and London. The company serves individuals, SMEs, and high-net-worth clients seeking property finance, commercial lending, and asset finance solutions, with particular specialization in complex cases including HNW clients (mortgages from £1m to £25m), UK expats and foreign nationals, and SME business borrowing from £3,000 to £25 million. The firm also operates a hotel financing vertical offering facilities up to £250 million through relationships with Lloyds, HSBC, Barclays, and NatWest.

The firm operates as a credit broker (not a lender) on a commission-based revenue model, earning referral commissions from lenders upon completed transactions supplemented by arrangement fees from clients. It has no proprietary technology platform—underwriting and lender-matching are performed manually by specialist finance brokers organized by product vertical (bridging, commercial, expat, business finance, asset finance). The company supplements its advisory services with online calculator tools for self-service affordability and rate estimation, plus a separate introducer portal for partner lead generation.

The company is an Appointed Representative of Fair Investment Company Limited (FCA registration 192852), which serves as its primary regulatory umbrella enabling UK brokerage activity. It has been recognized with multiple 2026 industry awards including B&C's Regulated Bridging Broker of the Year, What Mortgage Best Broker, Mortgage Solutions Best Broker, and Best Short Term Broker. The firm maintains no disclosed outside equity backing, operating as a privately held limited company with self-funded growth. Geographic service coverage includes the UK domestic market and expatriate client markets in the UAE, Saudi Arabia, USA, Japan, Taiwan, and Denmark.

Name

Clifton Private Finance

Legal name

Clifton Private Finance Limited

Website

https://cliftonpf.co.uk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Clifton Private Finance is a UK-based independent mortgage, bridging loan, and business finance brokerage serving individuals, SMEs, and high-net-worth clients including UK expats. Founded in 2016 in Bristol with Cardiff and London offices, the firm operates on commission-based lender referrals.

Ownership category

akta.pro rank

Product category

Mortgage and Finance Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like) (FSAHAJAI), Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Mortgage brokerage
• Bridging loan finance
• Business finance broker
• Commercial property lending
• Expat mortgage services

Headquarters

HQ city

Bristol

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Commission from Lenders: The company receives commission from lenders on completed transactions. This amount varies between lenders and is confirmed to clients before proceeding. They are a credit broker, not a lender.
2. Fee-Based Services: Where arranging a mortgage carries costs such as valuation fees, these are passed to the client. The company may charge arrangement fees for their brokering services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Clifton Private Finance is an independent, FCA-regulated credit brokerage that arranges residential and commercial mortgages, bridging loans, and business finance products on behalf of clients across the UK and internationally. As an Appointed Representative of Fair Investment Company Limited, the firm brokers finance through a whole-of-market network of high-street, private, and specialist lenders, earning commission from lenders on completed transactions. The brokerage specializes in complex cases including expat mortgages, foreign national borrowers, self-employed applicants, and high net worth individuals requiring million-pound loans.

Product overview

Clifton Private Finance is an independent, multi-award-winning mortgage, bridging loan, and business finance brokerage operating as a single unified service rather than a platform-plus-modules architecture. Their core offering spans residential and commercial mortgages (including specialist million-pound loans for high net worth clients from £1m to £25m), bridging loans in various forms (fast, commercial, auction, refurbishment, development, and probate), business finance products (secured and unsecured loans, invoice finance, merchant cash advances, management buyout finance), and asset finance solutions. They also provide international/expat mortgage services and hotel financing up to £250m. The brokerage complements its advisory services with a suite of online calculator tools for bridging loans, development finance, renovation mortgages, interest-only mortgages, second charge mortgages, business loans, and affordability assessments, enabling clients to self-evaluate before engaging their brokers.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Loans

Quantifiable outcome

• Finance typically within 5-7 days for business loans
• +3 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Fair Investment Company LimitedcoreStrategic or Co-development PartnerClifton Private Finance is an Appointed Representative of Fair Investment Company Limited, which is authorised and regulated by the Financial Conduct Authority under number 192852. This is the primary regulatory relationship enabling the company to provide mortgage and finance brokerage services.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Enness Global: High net worth and international mortgage broker arranging large UK mortgages for HNW and overseas clients. Directly comparable on expat, foreign national and million-pound lending niches.
• John Charcol: Long-established specialist UK mortgage broker serving complex and HNW borrowers. Comparable on whole-of-market access, complex case handling and bespoke advisory positioning.
• Private Finance: Specialist UK broker focused on HNW, complex income, expat and high-value mortgages. Directly comparable given overlapping niche in large-ticket and expat lending.
• Mortgage Advice Bureau: National UK mortgage broker network with thousands of advisers and an established FCA-authorised model. Comparable as a large-scale UK mortgage intermediary with similar product breadth and adviser-led distribution.
• Capital Bridging Finance: UK bridging loan specialist arranging short-term property finance for auctions, refurbishments and developments. Comparable on core bridging loan product and property-backed short-term lending.
• London & Country Mortgages: One of the UK's largest whole-of-market mortgage brokers, offering residential, buy-to-let and specialist mortgages. Highly comparable as a multi-advisor credit broker operating across mainstream and complex cases.
• Rangewell: UK business finance broker matching SMEs to lenders across loans, asset finance and commercial mortgages. Comparable product mix and broker intermediation model in the business finance segment Clifton serves.
• Optimum Finance: UK invoice finance and business lending broker. Comparable on the invoice factoring, invoice discounting and working capital products Clifton brokers into SMEs.
• SPF Private Clients: Specialist HNW mortgage broker arranging large loans including £1m+ and complex income cases. Closely comparable to Clifton's Million Pound Mortgage Service and private banking lending focus.

Emerging players

• Habito: Digital-first UK mortgage broker and lender with proprietary technology platform. Comparable as a UK mortgage intermediary but differentiated by tech-led, self-serve model rather than advisor-led distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/CliftonPFinance
• Facebookfacebook.com/cliftonpf
• LinkedInlinkedin.com/company/clifton-private-finance-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clifton Private Finance