**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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We’ll calculate how much you can realistically borrow based on your income, outgoings, and credit profile — including access to higher Loan-to-Income multiples where appropriate — so you can view properties with confidence.
With access to a wide range of lenders and mortgage products across the market, we’ll source competitive rates tailored to your personal circumstances — not a one-size-fits-all solution.
We handle the entire mortgage application process, liaise directly with lenders, and keep everything moving efficiently — saving you time and stress.
You’ll always know exactly where you stand. We provide clear updates at every stage and explain what’s happening next, so there are no surprises.
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.