Mortgages have a way of making perfectly sensible people feel a bit stupid. The forms are dense, the vocabulary assumes you already know it, and a lot of the advice out there is written for people who've done this before, not for someone doing it for the first time.
Clive exists to fix that. We explain things in plain English, answer the "obvious" questions without making anyone feel silly for asking, and we're honest about the parts of the process that are genuinely a bit slow or a bit hard. Buying a first home is a big deal. It shouldn't feel like sitting an exam.
Every mortgage that starts as a conversation 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. That experience is there quietly in the background, not as a sales pitch, just as the reason we tend to know what we're talking about.
Renters who've assumed buying isn't realistic yet. First-time buyers overwhelmed by the process and the jargon. Young professionals with less conventional income (bonuses, contracting, freelance work) who aren't sure a mainstream lender will understand their situation. If that sounds like you, you're exactly who this is for.
We do not charge a fee for our mortgage advice. Speaking to us, working through your options, and getting our recommendation costs you nothing, whether or not you go on to take out a mortgage through Clive.
Instead, we're typically paid a commission by the lender once your mortgage completes, currently around 0.34% of the loan amount, which is standard practice across the mortgage advice industry. We'll always be upfront about this if you'd like more detail on how it works for your specific situation.
Talk to a person, not a form. We'd rather have a proper conversation than push you through a faceless comparison tool. There's no countdown clock and no pressure, come back whenever suits you, whether that's this week or in six months.