Useful resources

Mortgage Advice for Individuals

Are you thinking about buying a new home? Or, maybe your existing mortgage product is coming to an end and you want to remortgage?

Our team will help to present your information to lenders in the best way to evidence your ability to borrow and maintain your monthly payments.

First Time Buyers

Getting your foot on the first rung of the property ladder is an important life moment, so it’s vital that you get expert mortgage advice. 

And, with so many different mortgage products to choose from, it’s important to get the solution that best meets your needs now and in the future.

We’ll be with you every step of the way.
If you’re thinking about buying your first home, you will probably have lots of questions;


  • How much can you borrow?
  • How much deposit will you need?
  • What information will you have to provide?

Our team has access to mortgages which range from a 5% to 25% deposit and can find you a solution to get your foot on the property ladder.

Get in Touch

Ask our expert team if you have any questions about anything that we offer here at Clayton-Welch Associates

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How is your Credit Score?

Every person’s credit score is different which is why we ask all of our clients to complete a complimentary Check My File credit score. 

It enables us to ensure we have all the information we need before we apply to a lender for you.

And if you do have a credit blip, there’s no need to panic. We can assist you.

Remortgaging Your Home

Is your existing mortgage deal coming to an end or do you want to borrow additional funds?

There are many reasons why you might be considering remortgaging. Your existing mortgage deal may be coming to an end and you're about to move onto your lender’s standard variable rate which could result in an increase in your monthly mortgage payments, or maybe you are looking to release equity to undergo home improvements or pay off debts.

Whatever your reason, remortgaging by switching to another deal or lender before your term ends could potentially save you money. 

The team at Clayton Welch Associates are here to provide you with the expert advice you need to find a new mortgage that suits your requirements.

It’s always important to think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.


Home Improvers

Are you looking to extend or alter your home?

We understand that your needs change as your family grows or when your work and life demand alters. Let us help you plan some home improvements that let you create the changes to your space that you dream of.

Equity Release/LifeTime Mortgages

Release the equity in your home to enjoy your retirement


The team at Clayton Welch Associates believe in supporting our clients all the way through their property ownership journey. And that includes helping you to release equity on your property investments. 

For over 55s, there are numerous reasons why you might want to consider taking out a lifetime mortgage.n It could be that your property has increased in value and you want to use some of the value to improve your standard of living in retirement. You may want to help younger generations get their foot on the property ladder or pay for some home improvements. 

A lifetime mortgage enables you to do this whilst still remaining the owner of your home. The tax that is released is tax free and you don’t need to repay your loan during your lifetime.

Our introduced advisors will work alongside you to help you decide the best type of lifetime mortgage for you, making sure that whatever you decide fits with any final wishes you may have. 


For equity release products we act as introducers only.

Visit our Useful Resources Page for more information and help with your property financing

Use our useful information and tools help you to begin planning your next steps.

Our team is always by your side with every step

Clayton-Welch Associates’ team of dedicated advisors are available to offer advice - get in touch

Mortgages

Buying a property can be the biggest decision we make in our lives; that’s why it’s vital to receive impartial advice from competent and qualified advisors.

Protection

Family is important. Ask us for expert advice to help protect what matters, when it matters.

Property Insurance

Ensure that your home and its contents is covered with household insurance that fits your needs.

Wills

Updating your will means you can protect your loved ones after you are gone.

Buying a home?

Finding the right mortgage and getting it arranged can save you a lot of stress and worry

Get in touch