Clifton International Property Finance

Clifton International Property Finance is a cross-border property finance broker. It is not a direct lender. A public referral network for professional introducers does not mean WiT Access has an agreement.

A broker may compare multiple lenders. A direct bank offers its own products. A specialist lender may serve a narrower but more complex segment.

Clifton International Property Finance may be relevant to International buyers, investors, developers and HNW clients.

Spain and the UK are highlighted directly. Wider international and European capability is described through specialist networks. Confirm the property country.

US, UAE, UK and European clients are highlighted. Wider cases are subject to lender criteria. That is not every residence country.

Residential and investment cases are both described, together with commercial and development finance.

Criteria can differ for a home, a second home, an investment, and commercial or development property. Only the purposes named above come from this provider’s published material.

Cross-border underwriting of foreign-currency income is described as strong. A currency is not automatically accepted.

Salary paid abroad, income in more than one currency, and a loan in a different currency can be stress-tested differently from local income. This page does not set out a lender’s formula. Exchange rates can change the real cost of repayments.

Complex and self-employed income are described as strong. The lender still sets the assessment.

Self-employed applicants, directors, partnership income, rent, bonus or commission, and investment income are separate questions. Ask which of them this provider will put to a lender.

High-value finance is described as strong. No ceiling is stated here.

A larger loan, a private-bank relationship or assets under management can change the conversation. Assets do not automatically secure finance.

Bridging, development and commercial finance are a core specialist capability, not an add-on. Bridging is short-term finance and needs an exit. It is not a long-term mortgage.

Bridging is short-term funding and needs an exit. Development funds construction or a substantial rebuild. Commercial finance is secured on business or investment property. Refinance replaces or restructures existing debt. Only the items named for this provider are taken from its published material.

This is a broker arranging finance across a specialist network. It is not a bank offering one set of its own products.

An initial review is described as free, with fees disclosed in writing before proceeding. Request the current schedule. This page does not state a rate.

Costs can include a broker fee, a lender arrangement fee, valuation, legal fees, bank administration, mortgage registration, bridging interest, an exit or commitment fee, currency conversion and insurance where it is required. Request a written fee schedule and illustration before proceeding.

• Identity

  Passport or other identification.

• Residence

  Evidence of address and of where you currently live.

• Income

  Payslips, company accounts, tax returns or investment income, depending on the case.

• Assets

  Bank or investment statements, particularly for high-value or private-bank cases.

• Property

  Purchase documents, a valuation and information about the property.

• Source of funds

  Where the deposit came from, and the wider financial background.

• Existing debt

  Other mortgages and liabilities.

Exact requirements vary by lender, property and jurisdiction. WiT Access does not collect these documents.