Clark Mortgages

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Clark Mortgages Mortgage & insurance brokers based in Chester �

“How much can I borrow?” sounds like it should have one simple answer.It doesn’t always.Your income type, financial comm...
19/10/2026

“How much can I borrow?” sounds like it should have one simple answer.

It doesn’t always.

Your income type, financial commitments, household circumstances, mortgage term and the lender’s own affordability model can all affect the calculation.

Before changing your property budget based on one figure, it can be worth understanding the wider picture.

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).

⭐⭐⭐⭐⭐Another fantastic review for the Clark Mortgages team!A huge thank you to Gareth for sharing his experience. Clear ...
18/10/2026

⭐⭐⭐⭐⭐

Another fantastic review for the Clark Mortgages team!

A huge thank you to Gareth for sharing his experience. Clear communication, quick answers and making the whole process feel as straightforward as possible are exactly what we aim to deliver.

We're delighted you felt supported from start to finish, Gareth, and thank you for recommending Clark Mortgages!

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).

You earn £50,000. But will a mortgage lender assess £50,000?Not necessarily.How your income is earned can matter just as...
16/10/2026

You earn £50,000. But will a mortgage lender assess £50,000?

Not necessarily.

How your income is earned can matter just as much as the headline figure. Basic salary, overtime, commission, contracting, dividends and business profits can all be treated differently.

That’s why the conversation shouldn’t stop at:
“How much do you earn?”

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).

A mortgage application is about more than whether you can afford the monthly payment.Your income, credit profile, deposi...
15/10/2026

A mortgage application is about more than whether you can afford the monthly payment.

Your income, credit profile, deposit, property and supporting documents can all play a part in a lender’s decision.

For straightforward cases, those pieces may fit together easily.

For more complex circumstances, getting the whole case right becomes even more important.

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).

Found the right property, but it needs significant work before it’s ready to live in?A standard residential mortgage may...
12/10/2026

Found the right property, but it needs significant work before it’s ready to live in?

A standard residential mortgage may not always be suitable.

Depending on the property and your plans, short-term finance such as bridging could potentially provide another route with a clear exit strategy being a crucial part of the plan.

The property might need work. Your finance strategy needs to work too.

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).

You can have a high income, good credit and a healthy deposit and still find that the property itself causes problems wi...
11/10/2026

You can have a high income, good credit and a healthy deposit and still find that the property itself causes problems with a mortgage.

Construction type, condition, valuation and intended use can all affect whether a lender is comfortable.

Sometimes the question isn’t “Can you get a mortgage?” It’s “Which lender will mortgage this property?”

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).

⭐⭐⭐⭐⭐Complex mortgage? No problem too big for the team.A huge thank you to Gülshen for such a brilliant review. It's par...
07/10/2026

⭐⭐⭐⭐⭐

Complex mortgage? No problem too big for the team.

A huge thank you to Gülshen for such a brilliant review. It's particularly rewarding to hear from clients who came to us with a more complex mortgage request and felt supported from beginning to end.

Sam, George and Amelia worked together to keep everything moving and make the process as smooth as possible.

And hearing "thank you for getting my home back" makes this one particularly special. 🏡

Thank you for trusting Clark Mortgages, Gülshen!

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).

05/10/2026

Bad credit or recently self-employed? Don’t assume that means no mortgage.

Different lenders have very different appetites when it comes to contractors, missed payments, previous bankruptcy, self-employment and other circumstances that may fall outside standard criteria.

What one lender won’t consider, another potentially will.

The important thing is not to rule yourself out based on general guidance or one lender’s criteria.

Listen to Sam explain why finding the right lender for your circumstances can completely change the conversation.

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).

04/10/2026

Planning to move in two years?
Thinking about an extension?
Want to release equity later?

Tell your broker.

The mortgage that suits you today needs to make sense for what you're planning tomorrow too.

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).

03/10/2026

One lender saying no doesn’t necessarily mean you have a complex mortgage case.

Different lenders have different criteria, which means an application declined by one high street bank could potentially be acceptable to another.

And if your circumstances do fall outside standard lending criteria, that’s where specialist knowledge becomes even more important.

Listen to Sam explain how Clark Mortgages helps clients navigate the market and find the right route forward.

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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