Clark Shaw Associates

Home
United Kingdom
Taunton
Clark Shaw Associates

Call Directions Website Contact the business

Bespoke Mortgage and Protection advice tailored to you or your Business. Clark Shaw Associates - Mortgage and Financial Solutions based in the South West.

Our aim is to provide you, our clients, specialist advice helping make your process with us as stress free as possible! Our Services

• Mortgage Advice
• Mortgage Protection
• Life Insurance
• Critical Illness Cover
• Fracture Cover
• Income Protection
• Business Protection
• Relevant Life
• Key persons

Clark Shaw Associates Limited is an Appointed Representative of The Right Mortgage Network Ltd, which is authorised and regulated by the Financial Conduct Authority. Clark Shaw Associates is Registered in England and Wales no. 1002699. Registered address The Keep, Creech Castle, Taunton, Somerset, Ta1 2dx. Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. A fee maybe charged for mortgage advice. The precise amount will depend upon your circumstances.

23/10/2026

Got Savings? Should You Overpay Your Mortgage?

If you've got money sitting in savings, you might be wondering whether it would be better used to reduce your mortgage.

But is overpaying always the right decision?

The benefits of overpaying:

Reduce the interest you pay over the mortgage term.

Potentially pay off your mortgage sooner.

Build equity in your home faster.

But what about keeping your savings?

You retain access to your money for emergencies.

Your savings could be earning a competitive interest rate.

Once you've overpaid, you may not be able to access that money again.

💡 Don't forget!

Some mortgage deals have limits on how much you can overpay without incurring early repayment charges, so it's important to check your lender's terms first.

So, what's the right choice?

It depends on your mortgage rate, savings, financial circumstances and future plans.

Sometimes paying more towards your mortgage makes sense. Sometimes keeping your savings available is more valuable.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

16/10/2026

Your Mortgage Payment Has Increased. But What If Your Income Didn’t?

With mortgage payments putting more pressure on household budgets, it’s understandable that you might be thinking:

“I can’t afford to pay for protection right now.”

But there’s another question worth asking…

Could you afford to pay your mortgage if illness or injury stopped you working?

Your mortgage still needs paying.
Your household bills still need paying.
Your family still needs supporting.

That’s why it’s worth considering:

💷 Income Protection – Could provide a regular income if illness or injury prevents you from working.

❤️ Critical Illness Cover – Could provide a lump sum following a qualifying critical illness.

👨‍👩‍👧 Life Cover – Could help your family financially if you die.

You don’t necessarily need to protect everything at once.

The right level of cover depends on your circumstances, budget and priorities.

If your mortgage payment has increased, it could be more important than ever to make sure the income behind it is protected.

👉Get in touch today. Let’s review your protection and find an option that fits your budget, so you can protect what matters most without adding unnecessary financial pressure

08/10/2026

When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:

- Can I afford to stay in my home?

- Can I take the mortgage on by myself?

- Could a family member help me with affordability?

- What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, we can look across different lenders to find the right solution for your circumstances, including:

- Lenders that allow family members to boost your affordability with their income

- Lenders offering stronger income multiples, which could increase how much you’re able to borrow

- More flexible approaches to different types of income

- Interest-only or part-and-part options where appropriate

- Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

28/09/2026

To every client who takes the time to share their experience, thank you. Your trust means everything, and we’re committed to delivering the same high standard of service every single time.

Here’s to continued support, happy clients, and the incredible community behind our business!

08/09/2026

How Much Protection Cover Do I Need?

It's one of the most common questions we hear, and the honest
answer is...

It depends on you.

Everyone's circumstances are different, but when thinking about protection, ask yourself:

If you weren't here tomorrow, could your family afford to stay in their home?

If you couldn't work because of illness or injury, how would you pay your monthly
bills?

If you were diagnosed with a serious illness, would you have
enough money to focus on your recovery without financial worry?

The right amount of protection should reflect your lifestyle, financial commitments and
the people who rely on you.

Whether it's Life Cover, Critical Illness Cover or Income Protection, having the
right cover in place can provide valuable financial security when it's needed most.

📞 Not sure if you have enough cover? Get in touch today for a protection review.

We'll help you understand your options and make sure your cover is right for your needs.

04/09/2026

Self-employed? Your income is your business’s biggest asset

If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or
injury keeps you away from work, your income could stop, but your financial
commitments won't.

🏠 Mortgage or rent

💡 Household bills

🚐 Vehicle and business costs

🛒 Everyday living expenses

👨‍👩‍👧 Family commitments

For employees, eligible workers can receive up to £123.25 a week in Statutory Sick Pay from April 2026.

For the self-employed?

£0 SSP.

That's why Income Protection can be particularly valuable for self-employed clients.

It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

📞 Don't leave your biggest financial asset unprotected. Speak to us about Income Protection and find out how much of your income you could protect

27/08/2026

These reviews really do mean the world to us!

To every client who takes the time to share their experience, thank you 💙

19/08/2026

Your credit score can play a big part in your mortgage application — but it’s not just about the number.

Lenders will look at your overall credit history when deciding whether to lend and what they may be prepared to offer.

Things that can make a difference include:

• Missed or late payments
• High credit card balances
• Lots of recent credit applications
• Not being registered on the electoral roll
• Errors on your credit report

The good news? Different lenders assess credit differently.

So, being declined by one lender doesn’t necessarily mean you’ll be declined by them all.

If you’re thinking about applying for a mortgage, check your credit report early. It gives you time to spot any issues and understand what lenders are likely to see.

And if you’re not sure what your credit history means for your mortgage options, that’s where good advice can really help.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

11/08/2026

Which Protection Product Solves Which Problem?

Many people know they should have protection in place, but they're not always sure which type of cover does what.

Here's a simple guide:

❤️ Life Cover
Problem it solves: Your family would struggle financially if you died.
Solution: A lump sum payment to help support your loved ones, pay off debts or cover living costs.

🩺 Critical Illness Cover
Problem it solves: You're diagnosed with a serious illness and need financial support during recovery.
Solution: A tax-free lump sum that can be used however you choose, whether that's paying the mortgage, replacing lost income or adapting your home.

💼 Income Protection
Problem it solves: You can't work due to illness or injury.
Solution: A regular monthly income to help cover your essential bills while you recover.

Think of it like this:
✔️ Life Cover protects your family's future.
✔️ Critical Illness Cover protects your recovery.
✔️ Income Protection protects your monthly income.

Each product is designed to solve a different problem, and for many people, they work best together.

Not sure which protection is right for you? Let's have a chat.

31/07/2026

Want to buy a home with little or no deposit?

A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeownership possible with support from an immediate family member.

We have access to a lender who has just launched a new product, which allows the below:

✅ Available up to 100% loan to value, so no deposit required (subject to eligibility)

✅ Available for purchases and remortgages

✅ Up to 4 applicants' income can be considered (subject to affordability)

✅ Maximum loan of £675,000

A JBSP mortgage allows a family member to help boost affordability without being named as an owner of the property.

If you've been told you can't borrow enough on your own, there may be another option.

Get in touch to find out whether a JBSP mortgage could be right for you.

Subject to eligibility and full mortgage assessment.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Address

Creech Castle, The Keep
Taunton
TA12DX

Telephone

+441823428180

Website

http://www.clarkshawassociates.co.uk/

Alerts

Be the first to know and let us send you an email when Clark Shaw Associates posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Clark Shaw Associates:

Want your business to be the top-listed finance company in Taunton?