Business Details
15 Years
experience
Your Trusted Mortgage Broker in Rayleigh
C L S Money was founded in 2011 by Clayton Shipton with a mission to demystify the mortgage market and simplify the application process for clients. As an award-winning firm regulated by the Financial Conduct Authority (FCA), we specialise in providing tailored mortgage solutions for a wide range of circumstances, including first-time buyers, remortgaging, buy-to-let properties, and clients with adverse credit histories. Our team of expert advisors has access to exclusive products from leading lenders, ensuring competitive rates and personalised service.With a commitment to 'straight talking advice,' we manage every aspect of the mortgage process, from initial consultation to completion, while maintaining transparency and prioritising client satisfaction. Our growth, including multiple office expansions and a dedicated high-street branch, reflects our dedication to meeting the evolving needs of our clients. Backed by over 3,500 five-star reviews, we pride ourselves on delivering exceptional service and innovative solutions that empower clients to achieve their property goals.
Services
First-Time Buyer Mortgages
Buy-to-Let Mortgages
Bad Credit Mortgages
Specialist Mortgages
Remortgage Services
Equity Release
Help to Buy
Right to Buy
Secured Loans
Moving Home Mortgages
Details
- Year established: 2011
Highlights and features
- We have exclusive access to lenders and underwriters not available on the high street.
- Our FCA regulation ensures adherence to the highest conduct and compliance standards.
- A dedicated team of specialist mortgage advisors handles every aspect of your application.
- We provide tailored advice for complex cases, including bad credit and self-employed mortgages.
- Award-winning service with over 3,500 five-star reviews from satisfied clients.
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Helped secure dream home
Professional advisors
Stress-free process
Award-winning team
Services
First-Time Buyer Mortgages
Tailored mortgage solutions for first-time buyers, including guidance on minimum deposits, government schemes like Help to Buy, and competitive rates. We simplify the process of purchasing your first property, offering expert advice on eligibility criteria and lender requirements. Our team ensures you understand all options available to secure your dream home with minimal stress.
Buy-to-Let Mortgages
Specialist buy-to-let mortgages for landlords seeking to expand their property portfolios. We provide access to exclusive products with flexible criteria, including portfolio mortgages for multiple properties. Our advisors help navigate tax implications, rental income assessments, and lender-specific requirements to secure optimal deals for your investment goals.
Bad Credit Mortgages
Mortgage options for clients with adverse credit histories, including CCJs, defaults, or bankruptcy. We work with niche lenders offering competitive rates despite poor credit scores. Our team provides tailored advice to improve approval chances and explains steps to rebuild credit while securing property financing.
Specialist Mortgages
Solutions for non-standard income scenarios, including self-employed, zero-hour contract, or company director applicants. We access lenders with flexible affordability assessments and bespoke criteria. Our experts ensure accurate documentation to present your financial situation favourably for mortgage approval.
Remortgage Services
Comprehensive remortgaging assistance to secure better rates or release equity. We analyse your current deal, compare market options, and handle the transition seamlessly. Our service includes advice on exit fees, new term calculations, and ensuring minimal disruption during the switch.
People
Clayton Shipton
Managing Director
Founder of C L S Money in 2011, Clayton leads with a vision to simplify mortgage processes. His expertise in specialist mortgages drives the company's growth and client-focused approach.
Gemma May
Operations Director
Gemma oversees daily operations, ensuring efficient mortgage processing. With over 15 years in financial services, she focuses on maintaining high standards and client satisfaction across all transactions.
Nicky Sheppard
HR & Finance Director
Nicky manages HR and finance, bringing strategic leadership to team development and financial stability. Her background in corporate finance strengthens C L S Money's operational framework.
Paul Merrett
Sales Director
Paul leads sales strategy, expanding C L S Money's market reach. His 20-year mortgage industry experience informs client acquisition and advisor training initiatives.
Ellen Stott
Head of Protection
Ellen specialises in mortgage protection, ensuring clients understand insurance options. Her focus on risk management complements mortgage solutions with safeguarding strategies.
Questions
Can I get a mortgage with bad credit?
Yes, we specialise in adverse credit mortgages, working with lenders who accept applications from clients with CCJs, defaults, or bankruptcy.
How long does the mortgage process take?
Typically 4-8 weeks, depending on documentation and lender processing times. We streamline the process to ensure timely completion.
What fees are involved in using your service?
Our mortgage advice fees range from £594 to £2194, depending on your specific circumstances and mortgage complexity.
Do you offer first-time buyer mortgages?
Yes, we provide tailored first-time buyer mortgages with competitive rates and guidance on deposit requirements and government schemes.
Can I remortgage with bad credit?
Yes, we offer remortgage solutions for clients with adverse credit histories, focusing on lenders that accept such cases.
What areas do you cover?
We operate nationwide with local advisors in Essex, London, and across the UK, offering both in-person and online consultations.
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