Clark Shaw Associates

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Clark Shaw Associates

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 Netw

ork 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.

03/06/2026

A Joint Borrower Sole Proprietor mortgage could help you get onto the property ladder 👇

This allows parents or close family members to support the mortgage application using their income, helping boost affordability, without being named on the property deeds.

One of the biggest challenges with these mortgages is that many lenders cap the mortgage term based on the oldest applicant’s age, which can increase monthly payments as your mortgage term is short.

But some lenders take a different approach

✔ They can assess the term using the younger applicant’s age
✔ Lending may be available up to age 80
✔ Some lenders even have no maximum age limit

This could mean lower monthly payments and more borrowing potential...

📩 Message us to see what options may be available to you.

Subject to full mortgage application and product range.

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.

19/05/2026

Buying a home is exciting but asking the right questions early on could save you time, money, and stress later.

Here are some key questions to ask the estate agent before making an offer:

🔹 Have any mortgage applications previously been declined on this property?

This could highlight concerns around the property type, construction, lease terms, or lender criteria.

🔹 Does the property have spray foam insulation?

Some lenders can be cautious with spray foam insulation, especially if it affects the roof structure or ventilation.

🔹 Are there solar panels installed and are they owned or leased?

Leased solar panels can sometimes complicate the mortgage process due to additional agreements attached to the property.

🔹 Is the property freehold or leasehold?
If it’s leasehold, make sure you ask:

How many years are left on the lease?

What are the ground rent and service charges?

(Short leases and high charges can affect mortgage options.)

🔹 Are there any restrictive covenants?

These can limit what changes or uses are allowed on the property and may impact future plans or value.

The more informed you are from the beginning, the smoother the buying journey can be!

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.

11/05/2026

What a fabulous review to receive!

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.

21/04/2026

A little reminder for first-time buyers…

You’re employed.
You earn a steady income each month.
You’ve got your deposit sorted.

And yet… getting on the property ladder still feels just out of reach.

That’s exactly why a high street lender offers eligible buyers the chance to borrow up to 6x their income, meaning you could potentially access more than standard lending amounts.

From a 5% deposit

£500 cashback available

Built to support first-time buyers onto the ladder

Lenders are doing what they can to support buyers right now, but these options are sometimes overlooked

This is why a mortgage broker can help, we keep up to date with schemes like this and help match you to the right lender.

📩 Message us to see what could be possible for you

Subject to eligibility and lending criteria.

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.

02/04/2026

Is your fixed rate up for renewal in 6 months or less?

We’re seeing more lenders change their product transfer windows, meaning you may be able to secure your next rate earlier than you think.

Your lender will usually write to you when you’re approaching the end of your deal - that’s your cue to get in touch with your broker, as that’s where we come in.

As your broker, we’ll review all of your options well in advance and get in touch at the right time to help you lock in a suitable rate.

And it doesn’t stop there…

We’ll keep monitoring the market for you, so if better rates come along, we’ll let you know - saving you the time, stress, and constant checking.

Less hassle. Smarter timing. Better outcomes.

If your deal is ending in the next 4-6 months, now’s the time to start the conversation.

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.

25/03/2026

Level Life Cover vs Family Income Cover 👇

Both are designed to protect your family… but they work very differently.

Level Life Cover
Pays a tax-free lump sum to your loved ones.

Family Income Cover
Pays a tax-free annual income for a set number of years.

Take away cost and claims, and it really comes down to this:

Would your family feel confident managing a large lump sum for the next 15–20 years… especially during one of life’s toughest moments?

Or would they prefer the reassurance of a steady, reliable income coming in year after year?

There’s no right or wrong answer,
just what feels right for your family.

Because real protection is about more than money…
It’s about making life easier when it matters most ❤️

16/03/2026

We absolutely loved receiving reviews like this!

23/02/2026

Mortgages for Business Owners... It’s Not as Complicated as You Think!

Many business owners assume getting a mortgage is harder if you’re a company director or shareholder. In reality, lenders often take a pragmatic approach.

If you own more than 25% of a business, lenders will usually assess your income using:

• Salary + dividends from your personal tax return

• Salary + your share of net profit from company accounts

Some lenders will even consider retained profits, recognising that these funds could be drawn if needed.

One area that’s often overlooked is Relevant Life Cover.

This allows your business to pay for your personal life insurance as an allowable expense, potentially saving up to 40% in tax compared to paying personally.

The policy pays out tax-free to your beneficiaries (subject to terms) and can significantly improve personal cash flow.

For business owners, efficient tax planning and the right mortgage advice go hand in hand.

If you’re a director or shareholder thinking about moving, it’s worth having the right conversations early.

Your home (or property) may be repossessed if you do not keep up with repayments on your mortgage. A fee may be charged for mortgage advice, the exact fee will depend on your circumstances.

20/01/2026

2025 - the year for first-time buyers!

New data from Yorkshire Building Society shows mortgaged first-time buyer transactions were up by nearly a fifth (18%) compared with 2024.

From a mortgage adviser’s perspective, this reflects what many of us are seeing day to day -

→ improving buyer confidence
→ greater stability in mortgage rates
→ more realistic expectations around affordability.

For first-time buyers, the right advice has never been more important, helping them navigate lender criteria,
product choice and long-term affordability in a changing market.

A positive signal for first-time buyers, and for the wider housing and mortgage market as we move forward.

https://www.standard.co.uk/homesandproperty/buying-mortgages/mortgages-first-time-buyers-uk-b1264656.html

Your home (or property) may be repossessed if you do not keep up with repayments on your mortgage. A fee may be charged for mortgage advice, the exact fee will depend on your circumstances.

14/01/2026

Your income is your most valuable asset it pays the bills, supports your family, and secures your lifestyle.

But what would happen if illness or injury stopped you from working?

Income Protection Insurance helps replace a portion of your income if you’re unable to work due to sickness or injury, giving you financial security when you need it most.

Why income protection matters:

• Receive regular monthly payments while you recover

• Cover everyday expenses like rent, mortgage, and utilities

• Reduce financial stress and focus on getting better

• Protection that can last until you return to work or retire

Many people insure their homes and cars, yet overlook protecting their income, the very thing that pays for everything else.

Don’t leave your future to chance. Take control today and make sure you and your loved ones are financially protected, no matter what life throws your way.

Get in touch today to learn how income protection can work for you.

Clark Shaw Associates Limited is an Appointed Representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Clark Shaw Associates Limited is registered in England and Wales no. 15118839. Registered Address: The Keep, Creech Castle, Taunton, TA1 2DX

Address

Creech Castle, The Keep
Taunton
TA12DX

Telephone

+441823428180

Website

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

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