Specialist UK mortgage advice, delivered with clarity and built on experience.

SJ Clarke Mortgages provides straightforward, professional advice on mortgages secured against property in the United Kingdom, combining technical discipline with a personal, relationship-led approach.

We support first-time buyers, homeowners, landlords, expatriates, and overseas-based clients navigating the UK mortgage market. Wherever you are based, the focus remains on structured guidance, transparency, and long-term suitability.

With over 20 years of experience across UK and international banking institutions, SJ Clarke Mortgages brings deep technical expertise together with calm, clear advice designed to simplify complex decisions and deliver well-considered outcomes.

Mortgage advice is provided through Cedar Crest Group Limited, which is authorised and regulated by the Financial Conduct Authority.

Local knowledge. Global perspective.

Simon Clarke is a CeMAP-qualified UK mortgage adviser with over two decades of experience across banking, wealth management, and property finance. He specialises exclusively in advising on mortgages secured against property in the United Kingdom.

His career began with Abbey National and progressed through senior roles at RBS Private Banking, Barclays, Qatar National Bank, and Commercial Bank of Dubai. During this time, he advised high-net-worth and internationally mobile clients on complex financial and property-related decisions, developing a detailed understanding of lender criteria, underwriting standards, and structured mortgage planning.

This background provides Simon with strong insight into the UK lending landscape, together with an appreciation of the additional considerations faced by expatriates and overseas-based clients purchasing or refinancing property in the UK. Recommendations are assessed not solely on interest rate, but on overall suitability, risk profile, and long-term alignment with each client’s objectives.

Simon provides mortgage advice and related services as an adviser of Cedar Crest Group Limited, an appointed representative of Headway Wealth Limited, which is authorised and regulated by the Financial Conduct Authority. All regulated mortgage advice is provided under the permissions of Cedar Crest Group Limited.

Today, Simon supports first-time buyers, homeowners, landlords, and overseas-based clients navigating the UK mortgage process. Whether assisting with a first purchase, remortgage, product transfer, or buy-to-let investment, his focus remains clear guidance, honest advice, and a carefully managed end-to-end experience.

A calm, personal approach

Mortgage advice should feel clear, structured, and reassuring. It should never feel rushed or transactional.

Simon’s approach is relationship-led and detail-focused, ensuring every recommendation is carefully tailored to the individual. Clients receive measured guidance, transparent explanations, and consistent support from initial discussion through to completion, enabling them to make informed and confident decisions.