Book Mortgage Appointment

Introducers

Enquire Now

PF

Moving House Mortgage
First Time Buyers
Remortgage
Bridging Loans
Interest Only Mortgages
Mortgage Review

Moving House Mortgages

Advice on handling your mortgage effectively when moving home.

How Much Can I Borrow?

Use our calculator to find out how much you can borrow.
Guarantor Mortgages
Bridging Loans
Lombard Loans
Unusual Properties
Complex Income
Auction Finance
Self Build Mortgages
International & Expat

Stamp Duty Calculator

Work out how much tax you may need to pay with our stamp duty calculator.

About Private Finance

Private Finance have been delivering independent mortgage advice since 1999.
Single Property BTL
Holiday Let
HMO
Limited Company BTL
Portfolio BTL
Multi Unit Block Mortgages
Airbnb Mortgage

Landlord Insurance

Protect your rental property, income and liability with specialist cover tailored to landlords.

ICR Stress Rate Calculator

Check how rental income, ICR and stress rates could affect your buy-to-let borrowing.
Accountants
Agency Workers
Company Directors
Doctors
Lawyers

Young Professionals

Mortgages For Accountants

Explore tailored mortgage options for accountants with lenders who understand professional career paths.

Mortgages For Lawyers

Limited Company
Partnership
Sole Trader
Bonus Income
Commission Income
Contractors & Self Employed
Trust Income
Pension Income
Maintenance Income

Complex Income Mortgages

Learn how non-standard and variable income could support your mortgage application.

Mortgages For Self Employed

Explore mortgage options for contractors and self-employed borrowers with specialist income assessment.

4.97 out of 5 based on 2,400+ reviews

News & Updates

5 Reasons Why You Might Consider Using A Property Buying Agent
Unlock expert guidance in…
Industry News
Read more
9 Tips For Property Buyers
Discover 9 expert tips for property buyers, from assessing investment…
Residential
Read more
Financing Unusual Properties: Expert UK Mortgage Advice
Buying an unusual property? Discover how specialist brokers can help…
Residential
Read more
Complete Financial Checklist for Smart Money Management
Consolidate debts, review insurance, and make informed financial…
Residential
Read more
Are You Correctly Insured?
Check whether your home insurance gives you the right level of cover for what…
Private Office
Read more
Divorce And Your Mortgage
Going through divorce is challenging enough without having to worry about the likely…
Industry News
Read more
Thinking Of Putting Your Buy-To-Let Into A Company?
Learn whether buying investment properties through a limited…
Landlords
Read more
Buy to Let Landlords – are you ready for the lending changes?
Buy to Let Landlords – are you ready for the lending changes? Private…
Landlords
Read more
5 Reasons Why To Use A Mortgage Broker
Discover 5 reasons to use a mortgage broker, from avoiding lender rejections…
Residential
Read more
5 Strategic Reasons to Remortgage
Discover 5 strategic reasons to remortgage for high-net-worth…
Residential
Read more
Private Finance’s Guide To Bridging Finance
Bridging finance is a topic around which much confusion persists…
Bridging Finance
Read more
London Calling: Why London Could Avoid Any Housing Market Downturn
Explore expert insights and strategies…
Industry News
Read more
Featured
Utilising Holiday Lets To Boost Mortgage Affordability
We refinanced a £1.1m mortgage on a £1.5m UK country home with 3 holiday lets…
Buy to Let
Read more
A New Period Of Stability
Sir Keir Starmer’s landslide victory in the general election, securing 411 seats in parliament…
Industry News
Read more
Will My Mortgage Rate Drop If The Base Rate Falls?
Will my mortgage rate drop if the base rate falls? Learn how…
Industry News
Read more
Looking Ahead to the 2025 Mortgage Market
We reflect on the mortgage and housing market’s progress over the past…
Industry News
Read more
Base Rate Cut To 4.00% In August
The Bank of England’s Monetary Policy Committee makes a close vote split…
Industry News
Read more
The Benefits of a Private Bank Mortgage
Private banks think, assess risk, and ultimately lend differently. We break…
Private Office
Read more
Expectations for a Base Rate Cut This Week, December 2025
A Bank of England rate cut is expected this Thursday — what could it mean…
Industry News
Read more
Self-Build Mortgages
There comes a point at which the financial incentives offered by the self-build option begin to…
Development
Read more
Looking Ahead Into The 2026 Mortgage Market
We look at what could lie ahead for the 2026 mortgage market in the UK…
Industry News
Read more
How Salary Sacrifice Pensions Affect Mortgage Borrowing
Paying into your pension through salary sacrifice can be tax-efficient…
Residential
Read more
Getting a Mortgage with Unusual or Complex Income
Getting a mortgage with unusual or complex income is possible. Learn…
Residential
Read more
Self-build mortgage enables purchase of an uninhabitable home at 80% LTV
We secured an 80% LTV self…
Commercial
Read more
How a chain break bridging loan saved the house move
Chain collapsed? We arranged a fast chain-break bridging loan in 5…
Bridging Finance
Read more
Featured
Boost Affordability With Holiday Lets To Buy A Rural Equestrian Home
Specialist mortgage arranged for a…
Buy to Let
Read more
Clients Choose Interest-only Mortgage To Save Money And Gain Greater Flexibility
Self-employed couple remortgaged…
Residential
Read more
Raising £1,000,000 On A High Net Worth Exemption Mortgage
Discover how Private Finance secured a £1,000,000 high net worth…
Development
Read more
Mortgage Approved With 10 Months Accounts
We approached a building society to arrange a mortgage…
Residential
Read more
£1m+ Guarantor Mortgage
Discover how Private Finance secured a £1.39m Joint Borrower Sole Proprietor (JBSP) interest-only…
Residential
Read more
Buyer Pulls Out After Exchange: How Bridging Saved The Day
A retired couple used a 12-month bridging loan secured against their…
Bridging Finance
Read more
Client Uses Bridging Loan To Regain Financial Stability
Discover how Private Finance arranged a bridging loan for a 76-year-old client…
Bridging Finance
Read more
Bridging Finance Secures Funds For Home Repairs
Discover how Private Finance secured a fast bridging loan for a property…
Bridging Finance
Read more
Broker Saves £1.6m House Purchase With Bridging Loan
Discover how Private Finance’s expert brokers arranged a bridging loan…
Bridging Finance
Read more
How A Chain Break Bridging Loan Saved The House Move
A broken property chain nearly cost our client their dream bungalow…
Bridging Finance
Read more
Client Saves Thousands Using Alternative To Self-Build Finance
A homeowner building a second residence avoided costly self…
Self Builds
Read more
How a Net Profit Mortgage Helped an Entrepreneur Buy His £2.5 Million Home
Discover how Private Finance…
Residential
Read more
Mortgage Rates on the Rise, March 2026
Mortgage rates are rising after recent market movements. Speak to Private…
Industry News
Read more
Client With One Year’s Accounts Releases Equity On Buy-To-Let In Order To Buy Next Home
Unlocking equity with…
Landlords
Read more
Doctors Seek to Let Out Existing Property And Purchase Dream Home
See how a let to buy mortgage…
Landlords
Read more
British Expat In Cameroon Buying Dream Home In Wales
See how a British expat in Cameroon secured a £500,000 mortgage to buy…
Residential
Read more
Buying A Second Home, Raising 100% Of The Deposit From The Main Residence
Discover how to buy a second home…
Residential
Read more
£1.5m Interest-Only Remortgage On A Multi-Dwelling 50-Acre Estate
Discover how to buy a second home…
Residential
Read more
From Auction Finance Bridging Loan to Long-Term Buy-to-Let Finance
Refinancing a Limited Company…
Buy to Let
Read more
Featured
Bank of England Holds the Base Rate at 3.75%, July 2026
With the base rate held at 3.75% and recent swap rate adjustments, we explore…
Industry News
Read more

Industry News

Industry News

5 Reasons Why You Might Consider Using A Property Buying Agent

Unlock expert guidance in…
Read more
Mid adult black woman looking in a shop window of an estate agent's of her local high street. She is dressed smart casual while window shopping. She is holding a brochure showing available homes to rent/buy.

Residential

Residential

9 Tips For Property Buyers

Discover 9 expert tips for property buyers, from assessing investment…
Read more
Blonde Sandstone Terraced Homes on a Tree Lined Street

Residential

Residential

Financing Unusual Properties: Expert UK Mortgage Advice

Buying an unusual property? Discover how specialist brokers can help…
Read more
Thaxted Windmill in Essex, England, with a sunny blue sky as a backdrop.

Residential

Residential

Complete Financial Checklist for Smart Money Management

Consolidate debts, review insurance, and make informed financial…
Read more
Financial Checklist

Private Office

Private Office

Are You Correctly Insured?

Check whether your home insurance gives you the right level of cover for what…
Read more
Modern Living Room Design with Open Dining Area - Digitally Generated

Industry News

Industry News

Divorce And Your Mortgage

Going through divorce is challenging enough without having to worry about the likely…
Read more
Blonde Sandstone Terraced Homes on a Tree Lined Street

Landlords

Landlords

Thinking Of Putting Your Buy-To-Let Into A Company?

Learn whether buying investment properties through a limited…
Read more
View of traditional residential street in Wimbledon, England, at sunset

Landlords

Landlords

Buy to Let Landlords – are you ready for the lending changes?

Buy to Let Landlords – are you ready for the lending changes? Private…
Read more

Residential

Residential

5 Reasons Why To Use A Mortgage Broker

Discover 5 reasons to use a mortgage broker, from avoiding lender rejections…
Read more
Reasons to use a mortgage broker

Residential

Residential

5 Strategic Reasons to Remortgage

Discover 5 strategic reasons to remortgage for high-net-worth…
Read more
Beautiful Cottage in Stow-on-the-Wold in Gloucestershire, UK

Bridging Finance

Bridging Finance

Private Finance’s Guide To Bridging Finance

Bridging finance is a topic around which much confusion persists…
Read more
Beautifully renovated Victorian working class houses of Bethnal Green, East End, London.

Industry News

Industry News

London Calling: Why London Could Avoid Any Housing Market Downturn

Explore expert insights and strategies…
Read more
A wide shot of a log cabin with a modern kitchen interior. The colours of the image are warm and inviting contrasting the cool tones of the British weather outside the patio doors.

Featured

Buy to Let

Featured

Buy to Let

Utilising Holiday Lets To Boost Mortgage Affordability

We refinanced a £1.1m mortgage on a £1.5m UK country home with 3 holiday lets…
Read more
Traditional family home with well manicured garden bathed in warm early sunlight.

Industry News

Industry News

A New Period Of Stability

Sir Keir Starmer’s landslide victory in the general election, securing 411 seats in parliament…
Read more
Stock image showing a woman’s hand filling in a postal ballot / voting form.

Industry News

Industry News

Will My Mortgage Rate Drop If The Base Rate Falls?

Will my mortgage rate drop if the base rate falls? Learn how…
Read more
Will my mortgage rate drop if the base rate falls?

Industry News

Industry News

Looking Ahead to the 2025 Mortgage Market

We reflect on the mortgage and housing market’s progress over the past…
Read more

Industry News

Industry News

Base Rate Cut To 4.00% In August

The Bank of England’s Monetary Policy Committee makes a close vote split…
Read more
London Thames front with HMS Belfast in the backgrond

Private Office

Private Office

The Benefits of a Private Bank Mortgage

Private banks think, assess risk, and ultimately lend differently. We break…
Read more
The Benefits of a Private Bank Mortgage

Industry News

Industry News

Expectations for a Base Rate Cut This Week, December 2025

A Bank of England rate cut is expected this Thursday — what could it mean…
Read more
Row of London brick terraced houses with brightly painted front doors and wrought-iron railings

Development

Development

Self-Build Mortgages

There comes a point at which the financial incentives offered by the self-build option begin to…
Read more
Single safety helmet hanging on the end of a scaffolding pole on a construction site. No people.

Industry News

Industry News

Looking Ahead Into The 2026 Mortgage Market

We look at what could lie ahead for the 2026 mortgage market in the UK…
Read more
Couple at a kitchen table reviewing mortgage information on a laptop over breakfast

Residential

Residential

How Salary Sacrifice Pensions Affect Mortgage Borrowing

Paying into your pension through salary sacrifice can be tax-efficient…
Read more
Mortgage Rates Rising

Residential

Residential

Getting a Mortgage with Unusual or Complex Income

Getting a mortgage with unusual or complex income is possible. Learn…
Read more
Pink and Blue properties on a sunny day

Commercial

Commercial

Self-build mortgage enables purchase of an uninhabitable home at 80% LTV

We secured an 80% LTV self…
Read more

Bridging Finance

Bridging Finance

How a chain break bridging loan saved the house move

Chain collapsed? We arranged a fast chain-break bridging loan in 5…
Read more
Front garden and pathway steps of a suburban bungalow in Springtime in England

Featured

Buy to Let

Featured

Buy to Let

Boost Affordability With Holiday Lets To Buy A Rural Equestrian Home

Specialist mortgage arranged for a…
Read more
Beautiful horse in a field near farm house in Berkshire, English countryside.

Residential

Residential

Clients Choose Interest-only Mortgage To Save Money And Gain Greater Flexibility

Self-employed couple remortgaged…
Read more
Home in liverpool, UK

Development

Development

Raising £1,000,000 On A High Net Worth Exemption Mortgage

Discover how Private Finance secured a £1,000,000 high net worth…
Read more
High Net Worth Mortgages

Residential

Residential

Mortgage Approved With 10 Months Accounts

We approached a building society to arrange a mortgage…
Read more
Confident young male florist, owner of small business flower shop. Holding potted plant outside his workplace. He is looking away with smile. Enjoying his job to be with the flowers. Small business concept

Residential

Residential

£1m+ Guarantor Mortgage

Discover how Private Finance secured a £1.39m Joint Borrower Sole Proprietor (JBSP) interest-only…
Read more
Traditional brick terraced houses

Bridging Finance

Bridging Finance

Buyer Pulls Out After Exchange: How Bridging Saved The Day

A retired couple used a 12-month bridging loan secured against their…
Read more
A senior woman sits on a chair in a well-lit living area, packing boxes among plants and furniture as she moves out of a new apartment.

Bridging Finance

Bridging Finance

Client Uses Bridging Loan To Regain Financial Stability

Discover how Private Finance arranged a bridging loan for a 76-year-old client…
Read more
Building site in UK with brick house extension under construction

Bridging Finance

Bridging Finance

Bridging Finance Secures Funds For Home Repairs

Discover how Private Finance secured a fast bridging loan for a property…
Read more
a roofer nails on the roof tiles

Bridging Finance

Bridging Finance

Broker Saves £1.6m House Purchase With Bridging Loan

Discover how Private Finance’s expert brokers arranged a bridging loan…
Read more
Row of pretty cottages in Langton Village, North Yorkshire, UK

Bridging Finance

Bridging Finance

How A Chain Break Bridging Loan Saved The House Move

A broken property chain nearly cost our client their dream bungalow…
Read more
Front garden of a modern bungalow

Self Builds

Self Builds

Client Saves Thousands Using Alternative To Self-Build Finance

A homeowner building a second residence avoided costly self…
Read more
View of solar panels on a roof in Devon

Residential

Residential

How a Net Profit Mortgage Helped an Entrepreneur Buy His £2.5 Million Home

Discover how Private Finance…
Read more
low level aerial view of traditional looking substantial country suffolk home within large gardens including grand lawn and mature trees.

Industry News

Industry News

Mortgage Rates on the Rise, March 2026

Mortgage rates are rising after recent market movements. Speak to Private…
Read more
People shopping in Iron Gate in the centre of the city.

Landlords

Landlords

Client With One Year’s Accounts Releases Equity On Buy-To-Let In Order To Buy Next Home

Unlocking equity with…
Read more

Landlords

Landlords

Doctors Seek to Let Out Existing Property And Purchase Dream Home

See how a let to buy mortgage…
Read more
Doctors Seek to Let Out Existing Property And Purchase Dream Home

Residential

Residential

British Expat In Cameroon Buying Dream Home In Wales

See how a British expat in Cameroon secured a £500,000 mortgage to buy…
Read more
Yorkshire Farm

Residential

Residential

Buying A Second Home, Raising 100% Of The Deposit From The Main Residence

Discover how to buy a second home…
Read more
Smiling couple meeting a mortgage adviser to discuss complex income mortgage options, reviewing financial documents at a table

Residential

Residential

£1.5m Interest-Only Remortgage On A Multi-Dwelling 50-Acre Estate

Discover how to buy a second home…
Read more
Front door of large home in the UK that is related to Interest only remortgage

Buy to Let

Buy to Let

From Auction Finance Bridging Loan to Long-Term Buy-to-Let Finance

Refinancing a Limited Company…
Read more

Featured

Industry News

Featured

Industry News

Bank of England Holds the Base Rate at 3.75%, July 2026

With the base rate held at 3.75% and recent swap rate adjustments, we explore…
Read more
Row of traditional period townhouses under a clear blue sky

Mailing list

Send expert insights straight to your inbox by signing up to our mailing list

Our content is intended to keep you up to date on all things mortgages as well as the UK housing market.

 

Residential

Residential Mortgages

Specialist Mortgages

Buy to Let Mortgages

Mortgages by Profession

Mortgages by Income

Commercial

Commercial

Private Office

Private Office

Insurance

Protection Insurance

Household Insurance

Calculators & Tools

Resources

Calculators

Guides

  • By Client Type
  • See More +
About Us

About Us

Enquire Now