4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Exceptional mortgage advice you can trust.
Rated 4.97 out of 5 from 2,400+ reviews
Founded in 1999 in Hertfordshire, Private Finance started with a simple goal: to deliver exceptional, independent mortgage advice for private clients.
Today, we’re recognised as one of the UK’s leading mortgage brokers, having navigated multiple economic cycles and arranged billions in property finance. But scale has never changed what matters most. Our original client-first values still guide every recommendation we make—so you get clear, strategic advice tailored to your goals, not a one-size-fits-all solution.
It’s why we’re proud to earn consistently outstanding reviews, and why so many clients return to us year after year, decade after decade: they value a mortgage advisory firm that combines experience, discretion, and results-driven expertise across the UK property market.
Our mission is simple: to deliver exceptional client experiences through best-in-class, holistic mortgage advice.
Achieving this requires far more than product knowledge alone. That’s why we’ve invested heavily in the depth and breadth of our expertise:
Our consultants undertake a rigorous internal training programme that goes far beyond standard mortgage qualifications. This provides a deep understanding of wider financial markets, complex income structures, tax considerations and lending strategies – essential when advising high-net-worth and professional clients.
We have spent decades cultivating close relationships with mainstream lenders, private banks and specialist providers. These relationships allow us to navigate credit policy in detail, access senior underwriting teams and structure solutions that are often unavailable through traditional channels.
From high-value residential purchases to intricate investment portfolios, foreign income, bonus-led remuneration or unconventional property types, we have the experience required to solve almost any mortgage challenge – no matter how specialist or niche.
Private Finance is widely recognised for its expertise in high-net-worth and complex mortgage lending.
We regularly advise clients with substantial incomes, multiple properties and sophisticated financial arrangements. This includes:
Our role is not simply to arrange a mortgage, but to act as a long-term strategic adviser — helping clients structure borrowing efficiently, preserve liquidity and align property finance with wider financial goals.
As an independent, whole-of-market mortgage broker, we provide access to the entire UK lending landscape.
We work with over 300+ lenders, including:
Many of these lenders do not deal directly with consumers, meaning our clients benefit from opportunities that are otherwise difficult to access. Unlike advisers restricted to limited lender panels, we provide completely impartial advice, enabling clients to make informed decisions based on a full and transparent view of the market.
We specialise in everything from straightforward residential mortgages to highly complex, high-value lending. In keeping with our holistic approach, we also provide expert advice on protection and arrange household insurance — ensuring complete peace of mind once your purchase completes.
You’re welcome to speak with us at any stage of your property journey. Whether you’re:
Our consultants are available to provide clarity, insight and sound financial guidance whenever you need it.
Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.
Residential Mortgages
Specialist Mortgages
Buy to Let Mortgages
Mortgages by Profession