Mortgages Made Simple.

Advice You Can Trust.

Clear, expert UK mortgage advice — wherever you’re based

Supporting first-time buyers, homeowners, landlords, expats, and overseas buyers with tailored UK mortgage solutions.

FCA-regulated advice provided through Cedar Crest Group Limited.

First Time Buyers

Guidance from deposit to keys.

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First Time Buyers

Remortgages

Lower payments or release equity.

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Remortgages

Product Switches

Lower payments or release equity.

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Product Switches

Buy-to-Let

Guidance from deposit to keys.

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Buy-to-Let

Expats

Lower payments or release equity.

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Expats

Protection

Protecting Your Family, Your Income, and Your Home

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Protection

Why clients choose me

Over 20 years of real-world experience

I’ve worked across high-street banks, private banking, and international markets, giving clients advice grounded in experience — not theory.

Specialist support for expats and overseas buyers

I understand the added complexity of buying or refinancing UK property from abroad and guide clients through the process smoothly.

Independent, client-focused advice

Every recommendation is based on your circumstances, goals, and long-term plans — not sales targets.

A calm, personal approach

Clients value advice that feels measured, responsive, and human, especially during major financial decisions

Ready to get started?

Book a free initial call to discuss your situation, explore your options, and understand what’s possible — with no obligation.

No pressure • No jargon • Just clear guidance

Your home may be repossessed if you do not keep up repayments on your mortgage. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

SJ Clarke Mortgages is a trading name of Simon Clarke, Mortgage advice is provided through Cedar Crest Group Limited, an appointed representative of Headway Wealth Limited, which is authorised and regulated by the Financial Conduct Authority.

Cedar Crest Group Limited is registered in England and Wales (Company Number: 12851894). Registered Office: Durham Workspace, Abbey Road, Pity Me, Durham, DH1 5JZ, United Kingdom. FCA Register Number (Cedar Crest Group Limited): 933936.