Business Details
15 Years
experience
Your Trusted Mortgage Advisors in the UK
C L S Money is a specialist mortgage advisory firm established in 2011, dedicated to providing straightforward, jargon-free mortgage solutions tailored to individual client needs. With over a decade of experience, we specialise in navigating complex mortgage scenarios, including adverse credit histories, self-employment, and unique income structures. Our team of FCA-authorised advisors offers access to exclusive mortgage products from lenders across the market, including those unavailable on high-street comparison sites. We pride ourselves on a client-centric approach, managing applications from initial consultation through to completion while maintaining transparency and simplicity throughout the process.Our track record includes securing mortgages for first-time buyers, remortgagers, buy-to-let investors, and clients with challenging financial backgrounds. Recognised for our award-winning service, we combine innovation with a commitment to ethical practices, ensuring clients receive competitive rates and personalised guidance. Our growth since 2011 reflects our dedication to demystifying the mortgage market and delivering exceptional customer outcomes.
Services
First Time Buyer Mortgages
Remortgage Solutions
Buy to Let Mortgages
Bad Credit Mortgages
Specialist Mortgages
Details
- Year established: 2011
Highlights and features
- Exclusive access to specialist mortgage lenders unavailable on comparison sites
- FCA-authorised advisors with expertise in complex mortgage scenarios
- Award-winning service with over 3,500+ 'Excellent' customer reviews
- Personalised mortgage solutions for adverse credit, self-employment, and unique cases
- Comprehensive support from application to completion with transparent communication
Associations and certifications
- Financial Conduct Authority
What people say
Award winning service
Excellent customer support
Straight talking advisors
Secured mortgages for bad credit
Personalised guidance
Services
First Time Buyer Mortgages
We specialise in helping first-time buyers navigate the mortgage process with tailored solutions. Our advisors provide expert guidance on deposit requirements, government schemes like Help to Buy, and competitive rate comparisons. With access to exclusive products, we simplify the journey to homeownership while ensuring clients understand all financial commitments and eligibility criteria.
Buy to Let Mortgages
Our buy-to-let specialists assist landlords in securing financing for rental properties. We offer portfolio mortgage options, equity release strategies, and advice on tax-efficient structures. With relationships across the market, we help clients from novice investors to experienced portfolio landlords access competitive rates and flexible terms tailored to their investment goals.
Bad Credit Mortgages
We provide mortgage solutions for clients with credit challenges including CCJs, defaults, and bankruptcies. Our advisors work with specialist lenders to assess individual circumstances, explain eligibility criteria, and identify viable mortgage options. We offer guidance on improving creditworthiness and navigating the application process with transparency.
Remortgage Solutions
Our remortgaging service helps clients secure better rates, release equity, or adjust loan terms. We analyse current deals, compare market options, and manage the transition process. Advisors provide clear explanations of early repayment charges, valuation requirements, and potential savings to ensure informed decisions.
Specialist Mortgages
We handle unique mortgage scenarios including self-employed income verification, zero-hour contracts, and non-resident applications. Our specialists access niche lenders and bespoke products, providing tailored advice on documentation requirements, affordability assessments, and underwriting considerations for unconventional circumstances.
People
Clayton Shipton
Managing Director
Founder of C L S Money in 2011, Clayton brings extensive mortgage market expertise. He leads strategic growth while maintaining a client-focused approach, leveraging industry relationships to secure exclusive mortgage solutions for complex cases.
Paul Merrett
Sales Director
With over 15 years in mortgage advisory, Paul oversees sales operations and team development. He specialises in complex case resolution, ensuring advisors maintain high standards of technical knowledge and client service excellence.
Gemma May
Operations Director
Gemma manages day-to-day business operations, focusing on process efficiency and client journey optimisation. Her background in mortgage case management ensures smooth application handling from submission to completion.
James Oakley
Head of Buy-to-Let
James leads the buy-to-let division with specialist knowledge of portfolio mortgages and investment property financing. He develops lender relationships and provides technical guidance on rental income assessments and portfolio structuring.
Ellie-Anne Woolley
Protection Case Handler
Ellie-Anne specialises in mortgage protection solutions, advising clients on critical illness cover and income protection. She ensures mortgage applications include appropriate risk mitigation strategies tailored to individual circumstances.
Questions
Can I get a mortgage with bad credit history?
Yes, we specialise in adverse credit mortgages. Our advisors work with lenders offering solutions for CCJs, defaults, and bankruptcies, providing transparent advice on eligibility and competitive rates.
What deposit is required for first-time buyers?
Minimum 5% deposits are available through government schemes like Help to Buy. We explain all options including 90% and 95% LTV mortgages, helping you choose the best solution.
How does the remortgaging process work?
We compare your current deal with market options, explain early repayment charges, and manage the transition. Our advisors ensure you secure better rates or release equity efficiently.
Do you offer buy-to-let portfolio mortgages?
Yes, we arrange portfolio mortgages combining multiple properties under one loan. This simplifies management for landlords with four or more buy-to-let properties, offering competitive terms and flexible criteria.
What documentation is needed for self-employed applicants?
We require SA302 forms or accountant-certified accounts showing stable income. Our specialists help self-employed clients meet lender affordability checks while accessing competitive mortgage rates.
How long does mortgage approval take?
Typical approval takes 2-4 weeks. We expedite the process by preparing documentation in advance and maintaining direct communication with lenders to ensure timely completions.
Videos
