Best Buys

Specialist lenders tend to offer bespoke deals for bridging loans, depending on the property involved and the borrower’s individual circumstances. Contact us now for the best rate and terms we can negotiate on your behalf.


With different lending criteria, rates and charges imposed by the various lenders who offer bridging loans, it is important that we negotiate the right deal for you.We work efficiently and quickly on your behalf, understanding that speed and communication are important. We are with you from start to finish; there's no need for you to chase the lender or other professionals involved in the process.

Speak to an advisor now on 0800 980 8777 or request a call back below

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I would not hesitate to recommend Private Finance and I can’t praise the firm highly enough. Alexander Armstrong, Comedian, Actor & Presenter
So many people have congratulated us on getting finance in place to buy without selling. Very few people realised before how useful a broker can be. Jan Harrison
Once again, many, many thanks for the help provided by you and your team (especially Tricia). We were very impressed with how quick and responsive you all were. More than that, you were the key to us realising that we could actually move ahead on a let-to-buy basis, after I’d rather been discouraged by a previous conversation with another intermediary, so it’s no exaggeration to say that we couldn’t have done it without you. Mr & Mrs Lethem
Dear Edward, it was such a pleasure dealing with your firm, I wanted to make a special effort to write and thank you and your team for all your efforts.  I set you a difficult task because of the many circumstances surrounding my refinance. Having bought and sold property in England some years ago and then becoming a licenced commercial property broker in California, I was involved in arranging many mortgages both for myself and my clients. Both Simon Marsh and Tricia Clarke were gracious and helpful, and assisted me in every way possible. They were right on top of the situation and made me feel as if I was the only client they had. I have never had such excellent service before; both sides of the Atlantic! I truly appreciated the promptness with which all the requests were passed on to me, and in helping me to fill out the forms.  Now it is in the hands of the solicitors. Thank you again and I will have no hesitation in recommending your firm. Basia Fuller

Private Finance broker, Ryan Garbett talks about his self build project

by Kate Blissett | Dec 14, 2017

Introducing the bravest Private Finance broker, Ryan Garbett, who managed his own self build project

Ryan has been dubbed ‘Ryan the Brave’ having just taken on his very own self-build project for his new family home. In this article, Ryan shares his journey with us through the ups and downs of the build project.

Ryan started at Private Finance in April 2013 and looks after Private Finance’s North West office. Ryan’s background previous to joining Private Finance has always been in property and finance, having worked for Nat West for 3 years as a mortgage consultant and then for a new build developer as Sales Manager for 6 years; spending his time working extensively around Europe.

During this time Ryan was able to build up his knowledge about new build construction, and so, with the arrival of his two daughters, now aged 3 and 4, he felt he had the experience to take on his own project.

The first step was to find some land that would be suitable for the build and so he set himself the goal of finding this within one year. He eventually found a 2 acre plot in a conservation area; the next stage was to draw up plans for a home that would be sympathetic to the surrounding area. The final design was a cottage style house with an oak porch and using reclaimed materials. The tree line was kept intact so that the house could not be overlooked.

The project took one year to complete and having to sell the existing family home to fund the associated costs, the family rented during this time. As an expert mortgage broker Ryan was able to source a specialist new build mortgage which allowed for the draw down of money in tranches in as the build progressed. When financing a new build there is only stamp duty to pay on the land and no VAT payable on any of the build. Ryan also discovered that he did not have to pay the Community Infrastructure Levy as self builds are exempt as part of the government’s support to encourage individuals to build their own homes.

Ryan and his family are now happily settled in their dream home, and despite having industry knowledge, Ryan feels that anyone could take on a self-build project with the right financial package and support. On working for Private Finance, Ryan says “I am proud to work for Private Finance because it has a phenomenal brand and reputation in the industry. In the North West area that I cover, I am unique as one of the only whole of market brokers with access to specialist lenders, whereas most other brokers can only access the high street banks. I am passionate about helping my clients as a professional, but am able to be personable and build rapport with all types of clients.”

If you are interested in looking at a self-build project for yourself please call us on 0207 317 2820 as we have brokers, knowledgeable in all aspects of self-build, available to speak to you.




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    © Private Finance Limited, 2018. Private Finance provides independent mortgage advice and arranges individual mortgage solutions for clients. Private Finance is a trading style of Private Finance Ltd, 29 Lincolns Inn Fields, London, WC2A 3EG, registered in England no. 3855776 and its Appointed Representatives. Private Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 310566).

    Private Finance Ltd is rated 4.93 stars by based on 359 merchant reviews

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    359 Reviews
    I was recommended to Michelle Clack at private finance by a friend. I found her amazingly responsive and flexible. I had asked a previous broker if he could help and he said he couldn't get me a mortgage based on my circumstances but not only did Michelle deliver, she found me a great deal in a quick time. I could not recommend her highly enough. She takes the pain (well most of it) out of buying a property. I have already recommended Michelle to other friends and colleagues.
    I have used Michelle Clack as my go to mortgage broker for many years. She has been fantastic for me and got me out of a tight spot once or twice, when I was looking down the barrel of an expensive bridge loan. I recommend Michelle highly, for any mortgaging requirements.
    Efficient, saved me money and the process was straightforward. Michelle Clack was great.
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