Clear Choice Mortgages

Independent mortgage advice in Nottingham

Clear Choice Mortgages is a mortgage advice firm with offices in Nottingham that works with both first-time buyers and homeowners who are moving house, remortgaging their existing mortgage or investing in buy-to-let. The company presents itself as not tied to a single bank or lender, which allows it to search across different offers to find the best fit for each case.

Its approach, according to its own description, involves explaining the options clearly and without pressure, letting the client decide in their own time. In addition to the mortgage, it supports the buyer throughout the entire purchase process.

Products and client profiles served

The firm advises on most types of mortgage and on protection products linked to the loan. Among the profiles and types it covers are:

• First-time buyers
• High Loan to Value (LTV) products
• Buy-to-let
• Shared Equity
• Remortgaging
• Moving home
• Shared Ownership
• Offset and flexible mortgages

Support beyond the mortgage

The service is not limited to arranging the loan. The company states that it thoroughly researches lenders' terms, selects the right lender for each application and follows up until the mortgage offer is issued. It also offers support in liaising with lenders, estate agents, valuers and solicitors to facilitate the whole transaction.

The firm serves clients from its Nottingham offices, although it also visits clients at home when that is more convenient.

Team

Andy Nield, director, holds CeMAP and Cert PFS qualifications. Before founding Clear Choice Mortgages in 2005, he worked in retail banking, advised on pensions and investments for a large insurance company and specialised in mortgages and protection for over 24 years, including a period at a Nottingham estate agency.

Eric Brown, senior mortgage adviser, also holds CeMAP and Cert PFS qualifications. He joined the firm in 2013 with over 30 years of experience in the sector, developed as a mortgage adviser at estate agencies in the Nottingham, Derby and Leicester areas.

Structure and regulation

Clear Choice Mortgages Ltd is registered in England and Wales with company number 5579382. The company acts as an appointed representative of Sesame Ltd, an entity authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate legal advice, solicitors, estate agents or some forms of buy-to-let mortgages; in those areas the firm acts as an introducer. The site is intended for UK customers only.

The company warns that property may be repossessed if payments are not maintained, and refers clients in difficulty to their lender or to free and impartial money guidance and debt advice services such as StepChange, Citizens Advice or Turn2Us. For complaints or feedback about the network, it provides the contact details of Sesame's customer relations department.

Offices and locations

Main office: 2 Wimbledon Drive, Nuthall, Nottingham, NG16 1PY · Telephone: 0115 941 1221

Office 2: 2 & 3 Charter Point Way, Ashby-De-La-Zouch, Leicestershire, England. LE65 1NF