Cleerly

Cleerly, mortgage brokerage for complex incomes in the United Kingdom

Cleerly presents itself as a mortgage advisory firm specialising in profiles whose incomes do not fit lenders' conventional criteria. Its activity focuses on finding financing solutions for self-employed professionals, contractors and salaried employees with unusual remuneration structures. The company states it has more than twenty years of experience in the sector and operates from the United Kingdom.

Areas of specialisation

Cleerly's service catalogue is organised around several types of mortgages and professional profiles:

• Contractor mortgages: aimed at professionals in sectors such as IT, oil and gas, engineering, financial services, legal, compliance, medicine, project management, business analysis, CIS and seafarers.
• Umbrella company mortgages: the firm notes that this type of employment can complicate applications and that it is key to work with a broker who knows the lenders familiar with this structure.
• Locum mortgages and other healthcare professionals: includes doctors, consultants, nurses, pharmacists, vets, optometrists, social workers, as well as legal, compliance, human resources, financial services and teaching profiles.
• Complex incomes: serves doctors, lawyers, legal professionals, project management, IT, oil and gas, engineering, financial services, business analysts and seafarers.
• Restricted Stock Unit (RSU) income mortgages: aimed at employees of companies such as Amazon, AWS, Meta, Google, Microsoft, ARM, Salesforce, Nvidia and Verizon.
• Professionals: doctors, dentists, vets, lawyers, accountants, engineers, architects, actuaries, optometrists, pharmacists and IT professionals.
• Dentists: the firm offers a specific approach for this group.
• IT professionals: employees, contractors, systems analysts, web and software developers, network engineers, cyber security, network architects, IT directors and cloud engineers.
• Young professionals: chartered accountants, actuaries, barristers, commercial pilots, dentists, doctors and solicitors.

General mortgage services

In addition to the above specialities, Cleerly offers advice on first-time buyer mortgages, moving home, remortgages, buy-to-let, buy-to-let for limited companies and secured loans and second charge mortgages. The company also has an online mortgage calculator to estimate borrowing capacity.

Protection and insurance

The firm complements its mortgage offering with protection products: life insurance, relevant life cover, critical illness insurance, income protection and home insurance. Cleerly notes that lenders usually require property insurance.

Approach and methodology

Cleerly works exclusively with specialised mortgage providers that take into account each applicant's particular circumstances and affordability. The company presents itself as a team of specialist advisors able to assist with any type of employment. Its informational resources include guides on RSU mortgages and analysis of the evolution of the UK property market.

Client testimonials

The site includes client reviews highlighting the firm's ability to secure mortgage offers in cases where other brokers refused, as well as the service received during the process. The testimonials mention specific advisors and the renegotiation of products when interest rates changed.