Mortgages
As independent mortgage advisers, we work with various lenders to offer you a wide range of mortgage products and rates. In most cases we don’t charge fees to our customers as we’re paid by the lenders.
We provide a personalised service and expert advice to help you find the right mortgage, even if your circumstances are complicated. Feel free to call us whenever you’re considering buying a house or improving your existing mortgage rate.
Our team is always available to answer your questions and guide you through the application process. Once you have your mortgage in place, we will keep in touch to remind you when your rate is due to expire and give you the new options available – we don’t want you to end up on the bank’s expensive standard variable rate.
I am…
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.
We can help you if you are moving house, buying a holiday home or rental property, or if you want to help your children buy a house.
A first-time buyer
If you are thinking about buying your first home (or want to help your children get on the property ladder), 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. We will manage the application process from end-to-end making everything as simple and hassle-free as possible for you. Importantly, we are always on the end of the phone or email to answer all of your questions.
Remortgaging
If your current rate is coming to an end, you are planning to make some home improvements, would like to increase your borrowing or reduce your monthly repayments, or have had a change in your personal or financial circumstances then please get in touch and we will advise you on the options available to you and the market conditions. It is never too early to have a chat with us and there is no pressure to take our advice.
Looking for a better rate
If your current rate is coming to an end and your existing lender is offering you a new rate, please get in touch. We can review the options available to you, both with your existing mortgage company and in the rest of the market, and will advise you on the optimum time to secure a new rate. It is never too early to have a chat with us and there is no fee and certainly no pressure to take our advice.
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 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.
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 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.
How do I apply for a mortgage?
We will complete the mortgage application on your behalf and to 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 of applying for a mortgage and the information you will need to provide.
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.
How we are paid
We are paid by the mortgage lenders to complete all the administration on your application. This is paid as a commission, and you will be able to see the payment we will receive on each option presented so that our recommendations are completely transparent. We prefer not to charge you any fees on top of these commissions, unlike many other Intermediaries who charge a fee as standard. In every circumstance, all commissions and fees are discussed at the outset and agreed by you.
Get in touch
Arrange a free consultation now - call us on 0118 4028971
