Clark Mortgages

Clark Mortgages Mortgage & insurance brokers based in Chester �

⭐⭐⭐⭐⭐Complex mortgage cases are where experience really matters.Thank you to M Watson for another brilliant review and f...
29/08/2026

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Complex mortgage cases are where experience really matters.

Thank you to M Watson for another brilliant review and for trusting Lewis, George, Alexia and the team once again.

Sometimes a lender will say no—but that doesn't always mean the case can't be done. Our job is to understand the challenge, find the right lender and keep looking for the solution.

We're thrilled we could deliver the outcome you were looking for, and we truly appreciate your continued support.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

27/08/2026

One of the biggest barriers to getting a mortgage isn't your finances—it's misinformation.

We regularly speak to people who have spent months, sometimes years, believing they couldn't get a mortgage.

They've been told they need a huge deposit. They've assumed a previous CCJ or default means they'll be declined.

Or they've simply listened to second-hand advice that doesn't apply to their situation.

The reality? Every case is different, and lender criteria vary significantly.

Before ruling yourself out, speak to someone who understands the market and can assess your situation properly.

Listen to Sam explain why so many clients are surprised by what's actually possible.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

Why do we ask so many questions?Because the more we understand about your situation, the better we can match you with th...
26/08/2026

Why do we ask so many questions?

Because the more we understand about your situation, the better we can match you with the right lender.

Income, employment, future plans and financial commitments all help build the bigger picture.

That's how specialist brokers achieve better outcomes—not by guessing, but by understanding.

That's how we match clients with lenders—not the other way around.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

24/08/2026

Is a high street lender the right choice? Sometimes, yes.

If your circumstances are straightforward—with a basic salary, a healthy deposit and a clean credit history—you may find what you need on the high street.

But not every mortgage application is straightforward.

If you're self-employed, a company director, have complex income, previous credit issues or a more unusual situation, specialist advice can make a significant difference.

At Clark Mortgages, we specialise in helping clients whose circumstances don't always fit the standard lending criteria. Our role is to understand your situation, identify the right lenders and structure your application to give it the best possible chance of success.

Listen to Sam explain when a high street lender might be enough—and when it's worth speaking to a specialist broker.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

22/08/2026

One lender said no? Don't stop there.

Every lender has different criteria. That's why a decline is only one opinion—not the final answer.

Some are more flexible with credit history. Others specialise in self-employed applicants or company directors.

A decline from one lender doesn't automatically mean your mortgage journey is over.

It's about finding the lender that's right for your circumstances.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

⭐⭐⭐⭐⭐There's nothing more rewarding than helping someone who thought getting a mortgage would be difficult.A huge thank ...
19/08/2026

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There's nothing more rewarding than helping someone who thought getting a mortgage would be difficult.

A huge thank you to Ashley for trusting Clark Mortgages and for taking the time to leave such a fantastic review.

No matter how complex your situation may seem, our team will always take the time to understand your circumstances and explore every possible option. That's exactly what specialist mortgage advice is all about.

We're delighted we could help and really appreciate the recommendation.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

18/08/2026

Your payslip doesn't always tell the full story.

We once helped a client whose income included vested share awards from their employer.

Although they weren't receiving the full value as cash each month, there were lenders willing to take this future income into account when assessing affordability.

This is exactly why specialist mortgage advice matters.

Different lenders assess different types of income in different ways—and knowing who to approach can make a significant difference to what's possible.

Listen to Sam explain how complex income doesn't have to limit your mortgage options.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

Many people think we simply compare mortgage rates.In reality, a large part of our job is understanding complex situatio...
13/08/2026

Many people think we simply compare mortgage rates.

In reality, a large part of our job is understanding complex situations and matching them with lenders whose criteria fit.

Whether you're self-employed, a company director, have adverse credit or multiple income streams, placing the case correctly can make all the difference.

That's why specialist mortgage advice can make all the difference.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

11/08/2026

Bankruptcy doesn't always mean the end of your mortgage options.

We're increasingly helping clients who experienced financial difficulties a few years ago but are now back on track.

In many cases, lenders will look beyond a historic bankruptcy if there's been positive financial recovery, a suitable deposit and a strong overall application.

Every lender has different criteria, which is why specialist advice matters. The right lender can see the full picture—not just your past.

Listen to Sam explain why a previous bankruptcy doesn't necessarily stop you buying a home.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

Think you need a 20% deposit?It's one of the biggest myths we hear.While a larger deposit can give you access to more pr...
10/08/2026

Think you need a 20% deposit?

It's one of the biggest myths we hear.

While a larger deposit can give you access to more products, many buyers are surprised to discover they don't need as large a deposit as they thought.

The key is understanding which lenders fit your situation—not ruling yourself out before you've explored your options.

Disclaimer: Your home may be repossessed if you do not keep up repayments on your mortgage. Clark Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 1000782).

Address

1 Hunters Walk
Chester
CH14EB

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 2pm
Sunday 10am - 2pm

Telephone

+447984747267

Website

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