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Finding the right mortgage can be challenging - especially as a contractor, locum, self-employed professional, or if you have complex income. Our team of mortgage consultants can help ensure you get the best deals based on your current circumstances.

With Cleerly, you're in safe hands

Dedicated specialist mortgage advice tailored to you and your circumstances

Our friendly team of expert mortgage specialists are on hand to provide helpful, jargon-free guidance.

Meet the Experts
"Will was amazing in guiding us through the mortgage process. What these guys have managed to achieve for us in terms of affordability has been nothing short of fantastic; way beyond what anybody else could achieve! If you have a complex contractor or self-employed income scenario, this the broker for you."
Andy Kidd

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Quick questions


Mortgage advisors can provide expert guidance on how your current circumstances impact your existing mortgage or your ability to secure or repay a new one. If you have questions or concerns, consulting with our mortgage advisors will help you to make well-informed, expert-backed decisions.

Your dedicated Cleerly mortgage consultant will need to assess a few things from your side to ascertain affordability. This will typically include your current income and outgoings, previous contract rates, deposit level, credit commitments and any breaks in contract history.

Mortgage lenders will need to review your credit history in order to determine how much they are prepared to lend to you. They will most likely review how much credit you have been using and if you are able to regularly pay it back on time. They will also review your debt-to-income ratio, effectively evaluating how much of your income goes into paying off your debts. They may also review your payment history, such as how many payments you’ve made on time and how many missed payments have occured.

Getting the most out of your mortgage broker will involve asking lots of questions to ensure you get the best possible picture of your current situation relating to your current or prospective mortgage. These questions may include:

  • How much do you charge?
  • Can you access all lenders and products?
  • How much money can I borrow?
  • What mortgage type suits me best?
  • What is your interest rate, and can this vary?
  • What documentation will you / the lender need to see?

A good broker will encourage you to ask as many questions as possible and encourage an open and honest line of communication throughout the process.

With over 15 years in the industry, the Cleerly team are experts at finding the best mortgage options for contractors, self-employed professionals and freelancers. We understand how professionals work and how mortgage underwriting works, offering bespoke advice to ensure you are in the best position for lender acceptance.

Over the years, we have formed strong relationships with mortgage providers who will assess you based on your unique circumstances as a contractor, locum or professional with complex income, rather than trying to fit you in a mould. As a result, we can help you find a lender when you might have been turned away from elsewhere.

Contact us today

Want to learn more about your mortgage options that are tailored to your needs?