Purchases
If you are considering purchasing a property you can contact us to find out how much you can borrow before you start looking. In fact, we encourage you to get in touch as early as possible so that we can go through all your options and help you prepare your finances. When you have found your property, we will manage the application process from end-to-end making everything as simple and hassle-free as possible for you, in most cases without charging a fee.
Find out below how we can help you if you are buying your first property, holiday home, or rental property, if you want to help your children get on the property ladder, or if you are moving house. We have an experienced team who are always available by phone or email to answer any questions.
I am moving house
If you are thinking about buying a new house, get in touch as soon as possible, even if you are tied in with your existing mortgage; it’s never too early to find out how much you can borrow. There’s no obligation to take our advice and it won’t cost you anything to pick our brains and find out what your options are.
We will help you at every stage of the process to make sure that you get your dream house. We know how to present your application in the right way to secure an offer and if we hit any bumps in the road we will fight hard on your behalf to resolve the issues.
Buying a new house is an exciting experience and shouldn’t be complicated. We will manage the whole process, letting you get on with the exciting things like choosing curtains and furniture!
I want to help my children to get onto the property ladder
If your children are lucky enough to have some help from you in buying their first house, we can help you find the most efficient way to contribute to their deposit. Lenders can have different requirements and we will advise you on the best choice for you and your circumstances.
We also offer, and encourage, an informal consultation to explain the requirements of buying a first home in order to help your children plan their finances well in advance. Our experienced team is always available by phone or email to help as and when you think of things.
I want to buy a second property
If you are considering the purchase of a second property as a holiday home, rental property, or to provide your children with somewhere to live, we can help you.
We will advise you on how to use your current equity in the most efficient manner, explain the different borrowing criteria for this type of mortgage and tell you how much you can expect to borrow.
The good news is there’s no charge for our advice so even if it’s a plan for way off in the future we encourage you to get in touch and discuss your ideas with us!
I am a first-time buyer
If you are thinking about buying your first home we are happy to explain the whole process at the very initial stages of your house search to make sure you know how to look after your finances to give you the best chance of borrowing the amount you need.
When you have found your property, we will manage the application process from end-to-end making everything as simple and hassle-free as possible for you, in most cases without charging a fee.
I am self-employed or contracting
If you are self-employed, contracting, or part self-employed/part employed, and are concerned about how this might impact on your ability to get a mortgage, please get in touch. We frequently deal with customers like yourself and, whilst it can be a complicated and difficult process to arrange your own mortgage under these circumstances, we are very experienced in presenting information to lenders in the best possible way to ensure that you get what you want.
We also offer, and encourage, an informal consultation to explain how to manage your business accounts to help plan you for your mortgage application well in advance. There’s no charge for our advice and the aim is to make things as easy as possible for you.
How can I prepare my finances for a mortgage application?
Each lender has different criteria, but the general guidelines apply for most. Essentially, they want to check that your out-goings do not exceed your income, that your finances show that you can afford mortgage repayments and that you can demonstrate a history of good financial management. The mortgage lenders will want to see how you conduct your finances and will look carefully at your bank statements and credit history.
Find out more about how to prepare your finances for a mortgage application here.
How much can I borrow?
These days lenders use affordability criteria to determine what they will lend, so unfortunately the simple days of multiplying your salary are gone and you cannot rely on the many mortgage calculators that are available online. To further complicate matters, different lenders have different criteria! This is where we can really help you – after discussing your circumstances we can tell you how much you can borrow and identify the lenders and mortgages that are available to you.
How do I apply for a mortgage?
We will complete the mortgage application on your behalf and undertake the administration on behalf of the lenders. We aim to make the process as user-friendly as possible for our customers to make the process as smooth and stress free as possible.
Find out more about the process and the information you will need to provide here.
Happy Customers
We have been helping people arrange their mortgages for years; we are very lucky to receive many lovely cards and reviews, and we are thrilled that many of our customers recommend us to their friends and family.
Read our reviews
Help and Advice
If you have any questions, or would like some guidance before starting the process, we are happy to help.
Feel free to call us on 0118 4028971.
In the meantime, if you would like to know a little more about mortgages, please take a look at our FAQs.
Why Clark and Poole?
We have a very experienced team – our advisers have been helping people arrange their mortgages and life insurance for over 30 years. We are driven by a desire to get our customers the best deal and importantly we aren’t governed by the sales targets of any organisation – we act solely in your interests.
It is fair to say that we aren’t easily beaten and enjoy the challenge of getting customers a mortgage where other advisers have been unable to help. We are extremely tenacious and will pull out all the stops to get you what you need. If you hit any bumps in the road, we will fight hard on your behalf to resolve the issues.
Get in touch
Arrange a free consultation now - call us on 0118 4028971
