CLS Money

read moreAs award winning, whole of market mortgage advisers, our duty is to find the most suitable mortgage for you and ensure that it goes through with ease. We manage every aspect of the mortgage application process for you through to completion, keeping you informed every step of the way, so you can be rest assured that you are in safe hands.

Whether you are a first-time buyer, moving home, remortgaging, buying to let or just looking for some mortgage advice, we are here to help. We can also obtain an Agreement in Principle for you at no cost or obligation, so lets get started!

read moreOur mortgage advisors will assess your personal circumstances and talk you through all of your affordability options, so you can get a good idea of how much you can borrow and start searching for your dream home.

When you are ready to move forward with your mortgage application, we will manage the entire process for you, keeping you informed on the status of your application and helping you with any questions you may have along the way.

read moreRemortgaging can help you to either; save money on your monthly repayments, shorten your current mortgage term, free up some cash for your long awaited home improvements and purchase additional property.

Getting a free mortgage review from one of our expert mortgage advisors could help make this possible. As whole of market mortgage brokers, we compare thousands of remortgage deals from the UKs top mortgage lenders, to find you the best remortgage rates.

read moreCLS have been amazing - they are always in the end of the phone if needed and I can honestly say they have gone above and beyond their job to ensure we were happy and confident with each step of our house purchase.... we could not have done it without them. The ladies who have been our saviours are Chloe Jarvis, Emma Mitchell and Gemma. Thank you so much for your help so far ladies - you truly are amazing!

read moreWell, what can I say? I was dreading the mortgage process, the waiting, the uncertainty and the inevitable sleepless nights. Would I have any nails left at the end? Would we get the rate we wanted? Would we be approved? From the very first phone call I knew I was dealing with the right company. Within two weeks we had our offer and we couldn't be happier. I would like to say a very BIG thank you to Fraser for not only finding us a great product and rate, but for being so efficient throughout the process. Thank you also to Harley for searching the market for competitive insurance quotes for us. You've provided all the services we needed under one roof. I would have no hesitation in recommending your services to others. You've been a lovely team to deal with and made the whole process so much more pleasant.

read moreFrom start to finish these guys were fantastic. Advise given was impartial and got us on the right track. Even when we put an offer in quite quickly on a house CLS got everything sorted quickly, and every step of the way kept us updated and informed.
Buying a house is a huge pain, however the guys at CLS made it a lot more bearable! Couldn't recommend them enough to anyone looking for a mortgage or remortgage well worth it.

read morebig thanks to CLS for arranging our mortgage, especially Paul Merrett and Emma Mitchell!
I may have just about driven them mad this year but they've been nothing but friendly, respectful and above all professional throughout the whole process.
We recommend them to anyone

read moreCannot recommend cls enough! They have been brilliant throughout our whole process of buying our first home, sue Chloe and Emma have all been a fantastic help! I will send all my friends your way thank you so much

read moreFantastic service, always on the end of the phone or email. No matter what the worry, they have been there to help and reassure.

read moreCLS are fantastic. They knocked 6 years off our mortgage with the same monthly payments saving us thousands.
Clayton and Harley have been fantastic from start to finish. Would 100% recommend.

read moreFantastic company, I was having trouble getting a mortgage and a friend recommended these guys, they sorted my mortgage within no time i can't thank Emma and her team enough, if your looking for a stress free mortgage here you have found the right company.

read moreCompetent advices. Around the clock availability and went well below the call of duty to help my case, that because of my poor credit history was of a difficult solution.
Great service all around.

read moreCLS saved our purchase and saved our lives! We cannot recommend them highly enough. Paul and his team are fantastic, they got us the result we wanted and they are really approachable and respectful.
We will definitely use them again!

read moreThe second time using this company and James Oakley to manage my Mortgage and re-mortgage for my right to buy property. The process was always managed well and with Jody involved the weekly updates were always on time and accurate. They was both always helpful and true to the company ethos of straight talking advice, both have been a credit and stars in ensuring that the process was as pain free as possible, a definite recommendation from myself for anyone wanting a company that are professional and hard working on the customers behalf. Thank you both.

read moreWith access to exclusive products from the UK's leading mortgage lenders, our professional mortgage brokers are here to help you find a mortgage that fits your needs perfectly. We provide free of charge, no obligation mortgage advice and help to secure you an Agreement in Principle. Our dedicated team manage every aspect of the mortgage application process through to completion, providing regular updates on the status of your application and a friendly ear for any questions you may have along the way.

read moreOur policy is 'straight talking advice'. No jargon, no fuss, no stress. We're passionate about securing the best mortgage for our customers regardless of circumstances. We endlessly evidence this in our results, we have provided thousands of mortgages to clients buying their first properties, remortgaging, moving home, purchasing additional properties and even those with a history of adverse credit. We will continue to offer our services and knowledge to new customers who want to secure the best mortgages the market has to offer.

read moreWant to chat over the phone? No problem! We're open until late, so feel free to give us a call or arrange a callback for whenever suits you best. Prefer to discuss your mortgage options in person? If you are in the Essex area, you can always pop into our store in Rayleigh High Street and speak to one of our mortgage advisors, or book an appointment and we'll come to you. Whatever your preference, we are here to help you get the advice you need in the way that works best for you.

read moreMany people are embracing a more flexible way of working by becoming sole traders, setting up limited companies and even contracting and freelancing their services, this often means that their income is unpredictable and less common than those who work a regular 9 to 5 job. We understand that as long as bills are being paid, on the surface there won't appear to be a problem. But, when it comes to finding a mortgage deal, the average High Street provider may not see your situation like we do, and can be less willing to offer their most competitive products to those with an unusual financial setup, as they do not fit their 'one size fits all' approach to lending.

read moreInstead of letting your hard-earned money sit in a savings account and erode due to inflation, why not place your capital into property? There are many benefits to becoming a Buy to Let (BTL) investor, not least that you are putting your cash into a tangible asset that should prove to be profitable in the long run. But there are many pitfalls for the uninitiated, too. Here, we'll talk you through the advantages and disadvantages of arranging a Buy to Let mortgage in a property market that's been somewhat unpredictable in recent years - and we'll provide plenty of practical advice to help you get your finances in order so you can turn your dream of becoming a landlord into a reality.

read moreOur whole of market Mortgage Advisors have access to thousands of product from over 120 lenders. We will help you secure the right product tailored to your circumstances. Our team of highly experienced mortgage advisors have access to the UK's leading mortgage lenders, including exclusive products that cannot be found on the high street or comparison sites. So, whatever your individual circumstances, you can be sure that we have a mortgage that fits your needs perfectly! Unfortunately, not all advisors are made equal, some will work specifically with certain lenders, while others are just not experienced or informed enough to understand the full mortgage market, this can lead to clients missing out on the best rates, lower monthly payments and even securing a mortgage in the first place, all because their advisors won't or can't work with the non-conventional criteria offered by banks not based on the High street.

read moreYour mortgage is a big commitment - but you don't need to stay with the same provider, or on the same type of deal, forever. These days, it's easier and quicker than ever before to find a better remortgaging agreement, regardless of your personal circumstances or the reason behind your decision to refinance your home. Whether you're looking for a specific UK remortgage or you simply need help exploring your options, you can trust the expert brokers here at CLS Money to give you the best remortgaging advice and to source a solution for you and your family that will tick all the boxes financially.

read moreAre you ready to buy your next home? It's an amazing feeling when you move into a new property, a fresh start, new neighbours, different layout, maybe even an extra bedroom or two. But, buying and selling properties at the same time can be stressful. There are a lot of individual parties that you will need to deal with, solicitors, estate agents, your new mortgage provider, vendors, as well as looking into moving companies, home insurance, life insurance. I'm sure you get the picture. It's a lot of phone calls, emails and documents - something we could all do without!