Best Buy: Residential
Product Type 2 Year Discounted Variable
Initial Rate 1.49%
Subsequent Rate 5.70%
APR* 4.9%
Arrangement Fee £699
Best Buy: Residential
Product Type 2 Year Fixed
Initial Rate 1.14%
Subsequent Rate 3.54%
APR* 3.1%
Arrangement Fee £995
* The overall cost for comparison

The availability of the above products is dependent upon certain criteria including but not limited to loan size, loan to value and personal income.


With different lending criteria, rates and charges imposed by the various lenders who offer first time buyer mortgages, it is important that we negotiate the right deal for you. We work efficiently and quickly on your behalf, understanding that speed is often of the essence. 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.

Please speak to a consultant 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

Autumn Mortgage Checklist

by Kate Blissett | Oct 10, 2019
We run through a number of mortgage considerations our readers may wish to take into account while navigating the property market this autumn period.

Now that the spring has sprung and the last rays of summer have winked out for yet another year, most people think that the opportunities presented by the property market have also dried up until next April. This is a misconception that could cost you potentially thousands of pounds.

Throughout this article, we will discuss the opportunities presented by the autumn property market. Activity levels may be declining, but for anyone with an eye for a bargain and an understanding of the financial options available, there’s no reason why this time of the year should be any less lucrative than the preceding period. Moreover, neglecting your mortgage needs now could lead to much unnecessary stress at a time of the year when such emotions are already in ample supply.

Buying Season

While selling your property during the winter months may sometimes be inadvisable, buying a property now can often be a masterstroke. The market is soft, prices are low, buyers are few, and sellers are often willing to take a hit on their property’s perceived market value. There’s no better time, therefore, for a canny buyer to survey the market and find themselves a bargain. And if they do so now, there’s no reason why – with the help of a good mortgage broker keeping the house-buying process ticking along – they shouldn’t be able to move into their new property by the time the tinsel is upon the tree.

Bridging Finance

Many would-be home movers are currently in the same position: they’re eager to move house but haven’t been able to sell their current residence at a fair price this summer; the soft winter market is enticing – there are plenty of great deals for those looking to buy a new house – but until they’ve received a reasonable offer on their own property, they’re unwilling to make any move. If you’re in this position, you may feel yourself without recourse: all that’s left to do, you may think, is wait out the slow winter months and begin the house hunt anew next Spring. Contrary to what you may believe, however, there is an option open to you that will allow you to take advantage of a winter bargain while selling high in the possibly post-Brexit spring – namely, bridging finance.

Bridging finance comes with a bad reputation. The reason for this is that, historically at least, the rates on such loans have been exorbitant. Borrowers could often find themselves paying rates of 1% or more each month and thus racking up interest payments worth tens of thousands of pounds over the terms of their loans. Now, however, with interest rates as low as they currently are, bridging finance is just about as affordable as it’s ever been – almost as affordable as a standard, residential mortgage – providing prospective homeowners with an additional financial implement with which they can navigate the waters of the property market.


Christmas is a stressful enough time without having to endure the hassle that invariably accompanies a remortgage. But unfortunately, if the initial period of your mortgage comes to an end during the festive period and you’ve failed to make prior arrangements, you may find yourself burdened with exactly this task or face paying potentially hundreds of pounds each month in unnecessary mortgage payments. This is an outcome that nobody wants or needs, and which can be easily averted by acting now.

We often make efforts to reach out to our clients a few months prior to the end of their mortgage’s initial periods, but if you suspect that the end of your initial term is imminent and would like a professional to take a look at your situation and provide you with an assessment of your present needs, Private Finance’s consultants would be more than happy to provide this service. Additionally, with a team of seasoned mortgage professionals and access to every lender on the market, we will be able to survey the market on your behalf and attempt to find you the best deal the market has to offer you.

If you’d like to speak to a qualified professional about any of the matters touched upon in this article, you can arrange an obligation-free consultation with one of Private Finance’s mortgage consultants by calling us on 0800 980 8777 or emailing us at

Your home may be repossessed if you do not keep up with repayments on your mortgage.


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