Clive is a straight-talking mortgage adviser for renters, first-time buyers and young professionals. No jargon, no sales pitch, just honest answers to whatever you're too embarrassed to ask anyone else.
If you've assumed buying isn't on the cards while you're renting, it's worth checking that assumption properly rather than guessing. It's more possible than most people think.
LTV, DIP, SVR. Nobody explains this stuff clearly, so we do, one plain-English term at a time, for as long as you need.
Bonuses, contracting, self-employment. Mainstream lenders don't always get it. A whole-of-market adviser knows which ones do.
The basics nobody sits you down and explains: what you're borrowing, what you're paying each month, and the difference between fixed and variable rates.
Read the guideOne of the most important numbers in your application, explained without the spreadsheet jargon.
Read the guideMyth-busting answers to the questions people feel silly asking. No question is too basic.
See everythingEvery mortgage that starts as a chat with Clive is arranged through Mark Davies Financial Adviser Ltd, directly authorised and regulated by the Financial Conduct Authority, with 40 years in the business. The friendly front door, backed by real experience.
There's no fee for our advice, ever. We're paid instead by the lender, through a standard industry commission (currently around 0.34% of your mortgage) once your mortgage completes, so having a conversation with us costs you nothing.
There's no countdown clock on any of this. Have a look around, download the guide, or say hello when it suits you.
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