Lucas & Clash Mortgages

Lucas & Clash Mortgages Family-owned independent mortgage & protection advisor helping you find the best deal for you.

Saving for your deposit is a big part of preparing to buy your first home.But it's not the only cost you'll need to thin...
09/09/2026

Saving for your deposit is a big part of preparing to buy your first home.

But it's not the only cost you'll need to think about.

There are other expenses involved in getting a property purchase over the line, including the legal work carried out by a solicitor or conveyancer.

As a guide, Lucas & Clash advise that typical solicitor or conveyancer costs can be around £900–£1,300+, depending on the price of the property you're purchasing.

Knowing about these costs early can help you build a more realistic picture of how much you'll need to have available, rather than focusing solely on the deposit.

Buying your first home can involve a lot of unfamiliar costs and decisions. Getting a clear understanding of the process can make it much easier to plan ahead.

Taking your first step onto the property ladder? Explore our First-Time Buyer advice or contact us:

🌐 https://bit.ly/4zOJHvh

Moving home doesn't necessarily mean starting your mortgage from scratch.If you're happy with your current mortgage, you...
07/09/2026

Moving home doesn't necessarily mean starting your mortgage from scratch.

If you're happy with your current mortgage, you may be able to port it to your new property.

This means taking your existing mortgage with you when you move, rather than automatically replacing it with a completely new one.

Depending on your circumstances, your lender may also allow you to borrow additional funds for your new home.

One potential benefit is avoiding early redemption charges that could otherwise apply when leaving your existing mortgage.

But porting isn't automatically the best option for everyone.

We'll look at your current mortgage, your new borrowing needs and what's available elsewhere to help you decide whether staying with your lender or moving to a new one makes more sense.

Planning your next move? Explore our Home Mover advice:

🌐 https://bit.ly/4xduBO3

One lender saying no doesn't mean every lender will.Mortgage applications can be declined for many reasons - from afford...
03/09/2026

One lender saying no doesn't mean every lender will.

Mortgage applications can be declined for many reasons - from affordability and credit history to the property itself or simply falling outside that lender's criteria.

The important part is what happens next.

Rather than immediately submitting another application, it can be worth understanding why the first lender said no and looking at which lenders may assess your circumstances differently.

That's where access to the wider mortgage market can become particularly valuable. Different lenders don't necessarily view the same application in the same way.

A decline isn't a promise that another lender will approve you, but neither should it automatically be treated as the end of your plans.

If you've been turned down for a mortgage, speak to Lucas & Clash before deciding your next move.

Speak to Lucas & Clash and we'll explain everything clearly from the start. Connect with us at www.lucasclas.com

Your lender's renewal offer isn't your only option.When your current mortgage deal ends, you may be offered a product tr...
01/09/2026

Your lender's renewal offer isn't your only option.

When your current mortgage deal ends, you may be offered a product transfer: a new deal with the lender you already have.

It can be a convenient route, but another option is remortgaging to a different lender.

That gives you the opportunity to compare the wider mortgage market rather than considering only the products available from your existing lender.

The right route depends on more than the headline rate. Fees, affordability, your circumstances and what you want from the mortgage all matter.

Before accepting the easy option, compare the wider picture.

Speak to Lucas & Clash about reviewing your remortgage options, message us at www.lucasclash.com/book-a-meeting

From renting to holding the keys in under three months.For this first-time buyer, the starting point wasn't certainty. I...
28/08/2026

From renting to holding the keys in under three months.

For this first-time buyer, the starting point wasn't certainty. It was understanding what they could realistically borrow and which mortgage options suited their circumstances.

We helped them assess the available lenders, prepare their mortgage application and keep things moving as the purchase progressed.

Less than three months later, renting had become home ownership.

Every mortgage journey is different, and timescales will depend on the buyer, property, lender and wider transaction. But having clear mortgage advice from the beginning can make the process easier to navigate.

Thinking about buying your first home? Speak to Lucas & Clash about your starting point at www.lucasclash.com/book-a-meeting.

If buying your first home feels daunting, you're in plenty of company.UK Finance recorded 391,000 first-time buyer purch...
26/08/2026

If buying your first home feels daunting, you're in plenty of company.

UK Finance recorded 391,000 first-time buyer purchase loans during 2025, up 17.8% from 2024.

The figures are a useful reminder that first-time buyers are still finding ways onto the property ladder, even when saving a deposit and understanding mortgage affordability can feel like significant hurdles.

There isn't one "normal" route into your first home either. Your income, deposit, property and circumstances all shape the mortgage options available to you.

Rather than comparing your progress with somebody else's, find out what your own numbers could make possible.

Speak to Lucas & Clash for first-time buyer mortgage advice at www.lucasclash.com/book-a-meeting

Can parents, family or friends help you borrow more? 🏡In some circumstances, yes.A Joint Borrower, Sole Proprietor (JBSP...
24/08/2026

Can parents, family or friends help you borrow more? 🏡

In some circumstances, yes.

A Joint Borrower, Sole Proprietor (JBSP) mortgage can allow you to apply for a mortgage with someone else, such as a parent, family member or friend, potentially increasing the amount you could borrow.

The additional borrower can help with the mortgage application and affordability assessment, while you remain the sole owner of the property.

It can be an option worth exploring if your own income means you're struggling to borrow enough for the property you want.

However, JBSP mortgages aren't right for everyone. Lenders have different criteria, and there are important considerations for everyone named on the mortgage.

That's why understanding your options before applying is so important.

At Lucas & Clash, we can help you look at the bigger picture and understand whether this type of mortgage could work for your circumstances.

Speak to Lucas & Clash to explore your options.

🌐 https://bit.ly/4bUTci0
📞 01443 567 073

📈 Is this becoming a better time to buy?The mortgage market continues to offer encouraging opportunities for many first-...
20/08/2026

📈 Is this becoming a better time to buy?

The mortgage market continues to offer encouraging opportunities for many first-time buyers.

Some lenders have relaxed affordability assessments, product choice remains strong, and selected lenders have expanded support for higher loan-to-value borrowing.

That doesn't mean every mortgage is the same, but it does mean buyers who are well prepared may have more options than they expected.

Getting organised before you begin your search could put you in a stronger position when the right property comes along.

🏡 Ready to see what you could qualify for? A calmer market rewards those who prepare.

Connect with us at www.lucasclash.com/book-a-meeting or speak to Lucas & Clash on 01443 567 073.

We can't always control the lender's systems, but we can control how we look after you when hiccups happen, keeping you ...
18/08/2026

We can't always control the lender's systems, but we can control how we look after you when hiccups happen, keeping you informed, sorting issues quickly, and never leaving you in the dark. 🏡

Thank you for trusting us, and for the kind words, Jordan's thrilled to have helped.

Looking for a broker who'll keep you in the loop every step of the way?

Message us at www.lucasclash.com/book-a-meeting

📞 Speak to us today, call 01443 567 073 for free.

Not every mortgage is repaid the same way. Most residential mortgages are set up on a repayment basis, meaning each mont...
14/08/2026

Not every mortgage is repaid the same way.

Most residential mortgages are set up on a repayment basis, meaning each monthly payment reduces the amount you owe as well as covering interest.

Interest-only mortgages work differently.

Your monthly payments cover the interest, but the original loan remains outstanding until the end of the term.

They're commonly used for certain buy-to-let and specialist borrowing situations where there's a clear repayment strategy.

Choosing the right structure is just as important as choosing the right lender.

🔑 Not sure which setup fits your plans? That's exactly what we're here for.

Connect with us at www.lucasclash.com/book-a-meeting or speak to us now, call 01443 567 073.

Address

Penallta Road, Hengoed, CF82 7
Ystrad Mynach
CF827AP

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+447530004852

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