Securing your financial future today

Clifford Davis is a premier provider of property-related financial advice. Based in Barnet, North London, we pride ourselves on being able to advise and to provide guidance in all areas of property-related finance.

A truly independent approach to finance

At Clifford Davis we are committed to finding you the right mortgage, one that suits your individual requirements and circumstances. As your mortgage will be one of the biggest financial commitments you will ever make, we believe it is vitally important to make sure you always have the most appropriate mortgage available. We will also guide and assist you through each step of the home-buying process.

There could be a number of reasons why you would want to move house, such as wishing to move to a bigger property, downsizing or simply moving to somewhere more preferable. Whatever the reason, it can still be a very stressful experience, especially if you haven’t moved for some time. At Clifford Davis, we understand each step involved and realise that most transactions require a simultaneous completion. We can guide and assist you through the full process, and we will liaise with you and all other parties to make your experience as pleasant and as stress-free as possible.


“Clifton was brilliant to work with! Very understanding, efficient and communicative! Highly recommend!”

Karim Bakhtaoui


“I would recommend Clifton to anyone looking to get a mortgage, he is very knowledgeable as well as personable. He is always available if you have any questions throughout the process and we really appreciate how he explained everything to us in detail given that we are first time buyers.”

Sophia Modestou


“My partner and I met Clifton Smith, in May '22. Clifton provided us with clear guidance and professional advice during our mortgage application process. Clifton is knowledgeable, helpful and always strives to deliver a positive outcome for his clients. We would highly recommend Clifton!”

Vince O’Shea


“Thanks to Clifton's hard work, I have now received a mortgage offer on my first home. Clifton has been professional and helpful from start to finish in the process and always on hand to answer any questions I had. As a first time buyer, Clifton put me at ease in a situation I had zero experience with and I would highly recommend using the service.”

Ellie Moseley


“Clifton was super helpful and managed to secure us a great mortgage deal, better than we had hoped for. Crucially, for us, after poor experiences in the past, he was transparent and never pushy. We would definitely recommend Clifford Davis and use them again.”

Rhiannon Looseley


“Clifton was fantastic with securing our first home mortgage. High levels of communication and great advice. Can’t recommend him enough!”

Emma Lawrence

Independent mortgage brokers in London

Having worked for some of the most prestigious and respected organisations in the UK, Clifton and David decided to form Clifford Davis. The fundamental belief of both Directors is that all clients deserve unbiased advice, allied with first-class customer service.

Friendly & professional

We are committed to finding you the right mortgage

Years of experience

Combined we have 45 years of experience in the industry

Impartial expert advice

We are not tied to any particular lender or groups of lenders

In-depth industry knowledge

We stay up to date with the latest changes in the industry

Why choose us

We have over 140 5* reviews on Google
Guidance in all areas of property-related finance
Available at a time to suit you
Fully qualified Financial Advisers
Directly authorised – truly Independent
FCA regulated

“We understand that arranging property finance can be stressful and time-consuming, no matter if you are a first-time buyer or an experienced property investor. The mortgage market is huge and, therefore, it is important that you seek professional advice from people you can trust and who are able to help you navigate around any potential pitfalls. Key to what we do is understanding your situation and then using our expertise to identify the best lender to approach.”

David Shaikh & Clifton Smith 

Directly authorised – truly independent

We focus purely on property-related financial matters.

We will always find the best deals for our clients

When incorporating the company and formulating our core proposition, the Directors had an important decision to make. Many Mortgage Advisers choose to operate within a ‘network’. Although these entities are, technically, independent businesses in and of themselves, to operate in such a manner would be contrary to our core principal of finding the best deals for our clients, regardless of which lenders they might be with.

The Directors applied to the FCA to become Directly Authorised. This is a lengthy process and one which requires stringent checking of the Directors and the new company. Whilst it perhaps would have been an ‘easier’ option to operate in the aforementioned way, we are proud at Clifford Davis of our status. Our status can be checked by any of our clients on the FCA Register. 

Years of experience

With a combined 45 years of experience in the industry, we truly believe that if we cannot secure your desired loan, then nobody can.

“If it can be done, we will do it!”

We have secured loans for clients in the most unorthodox of situations. Whether it be lending on a fast-food outlet, lending in to old age, bad credit or lending on unusual properties, we can truly say that we’ve done it all.

We can look at all types of unconventional applications as we are not tied to any particular lender or groups of lenders. We have formed excellent relationships with the big mainstream lenders as well as many lesser-known firms. We always know someone who will provide our clients with the finance that they require. As soon as you provide us with details of your situation, we will start researching on your behalf.

Frequently asked questions

Answers to the most common questions we get asked
What is a bridging loan in the UK?
A bridging loan is a short-term loan used to bridge financial gaps between buying a new property and selling an existing one. It can also be used for property development or refurbishment, auction purchases, or other urgent financial needs.
What is equity release in the UK?
Equity release is a financial product that allows homeowners, typically aged 55 and over, to release a portion of the value (equity) in their property, either as a lump sum or in installments, while continuing to live in their home.
What is remortgaging in the UK?
Remortgaging refers to the process of switching from your current mortgage to a new one, typically with a different lender or a new deal offered by your existing lender. This is done to secure better interest rates or terms.
How do I apply for a remortgage in the UK?
Applying for a remortgage in the UK is similar to applying for a new mortgage. You'll need to provide financial documents, complete an application, and go through a credit check. A solicitor or conveyancer is usually required for the legal aspects.
How is the rental income assessed for a Buy to Let mortgage in the UK?
Lenders typically assess the potential rental income of the property as part of the mortgage application. The rental income must cover the mortgage payments, and lenders often require a rental income of around 125-145% of the mortgage payment.
What is a right to buy mortgage in the UK?
A right to buy mortgage in the UK is a type of mortgage that allows council tenants to purchase their rented property at a discount from the local authority.
Can I live in my home for the rest of my life with equity release?
Yes, you can live in your home for the rest of your life with equity release. You retain the right to live in your property until you pass away or move into long-term care.
What are the costs associated with remortgaging in the UK?
Costs can include arrangement fees, valuation fees, legal fees, early repayment charges if you're still within a fixed-term deal, and exit fees. It's essential to calculate these costs against the potential savings to determine if remortgaging is worthwhile.
What is a Buy to Let mortgage in the UK?
A Buy to Let mortgage is a loan designed for individuals who want to purchase residential properties for the purpose of renting them out to tenants. These mortgages are typically intended for investment properties rather than owner-occupied homes.
What are the tax implications of Buy to Let properties in the UK?
Buy to Let properties in the UK are subject to various taxes, including income tax on rental income, stamp duty land tax, and capital gains tax when you sell the property.
Avatar photoAvatar photoAvatar photo

Talk to one of the team

Can’t find the answer you’re looking for? Please chat to our friendly team.