Business Details
15 Years
experience
Your Trusted Mortgage Advisor in Rayleigh, Essex
C L S Money was founded in 2011 with a mission to demystify the mortgage market and simplify the application process for clients. As an FCA-authorised firm, we combine regulatory compliance with a commitment to 'straight talking advice' that prioritises client needs over industry jargon. Our team of specialist mortgage advisors has secured thousands of mortgages for first-time buyers, remortgagers, and clients with complex circumstances, including adverse credit histories. With over a decade of experience and a track record of award-winning service, we leverage exclusive access to lenders and underwriters to transform mortgage rejections into approvals. Our growth from a home office to a 6,000 sq ft headquarters reflects our dedication to innovation and client-centric service.We maintain transparency through fixed fee structures (ranging from 594 - 2,194) and provide end-to-end support, from initial consultation to completion. Our values of collaboration, simplicity, and results drive our approach to mortgage advisory, ensuring clients receive tailored solutions that align with their financial goals. By maintaining relationships with specialist lenders and offering face-to-face advice across Essex and the South East, we combine local expertise with national reach. Our 3,500+ 'Excellent' reviews validate our commitment to transforming mortgage experiences through expertise, accessibility, and ethical practices.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Bad Credit Mortgages
Remortgage Solutions
Specialist Mortgages
Portfolio Mortgages
Self-Employed Mortgages
Equity Release
Help to Buy Schemes
Commercial Mortgages
Details
- Year established: 2011
Highlights and features
- Exclusive access to specialist mortgage lenders and underwriters
- FCA-authorised with rigorous compliance and consumer protection standards
- Award-winning service with 3,500+ 'Excellent' customer reviews
- Dedicated case handlers managing applications from start to completion
- Transparent fee structure with fixed costs (5942,194)
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Award-winning service
Excellent customer support
Successful mortgage approvals
Transparent process
Expert advisors
Services
Specialist Mortgages
We provide tailored mortgage solutions for clients with non-standard circumstances. Our specialists handle complex cases including bankruptcies, CCJs, and self-employment. With access to exclusive lenders, we secure approvals where traditional banks cannot. Our advisors guide clients through documentation requirements and affordability assessments.
Buy to Let Mortgages
Our portfolio mortgage solutions consolidate multiple buy-to-let properties under one account. We assist landlords with four+ properties to streamline management and improve borrowing power. Specialist advisors evaluate rental income calculations and portfolio performance to secure competitive rates from specialist lenders.
Bad Credit Mortgages
We specialise in mortgage solutions for clients with credit challenges. Our advisors work with lenders offering flexible criteria for CCJs, defaults, and debt management plans. We assess individual circumstances to identify suitable products while providing guidance on improving creditworthiness for better future terms.
First Time Buyer Mortgages
Our advisors help first-time buyers navigate the mortgage process with minimum 5% deposits. We explain Help to Buy schemes, Right to Buy discounts, and shared ownership options. We compare exclusive deals to secure the best rates and provide step-by-step guidance through the application process.
Remortgage Solutions
We help homeowners secure better mortgage terms when existing deals expire. Our advisors analyse current rates, equity positions, and financial circumstances to identify optimal remortgaging opportunities. We manage the entire process, ensuring seamless transitions without penalties or timing issues.
People
Clayton Shipton
Managing Director
Founder of C L S Money in 2011, Clayton transformed the business from a home office to a multi-award-winning mortgage firm. With extensive industry experience, he leads strategic growth while maintaining client-focused service standards.
Gemma May
Operations Director
Gemma oversees daily operations and team management at C L S Money. With over 15 years in mortgage services, she ensures efficient processes and high service standards across all client interactions.
Amy Randall
Head of Sales Progression & Completions
Amy leads the sales progression team, specialising in streamlining mortgage completions. Her expertise in case management ensures smooth transactions from application to final approval.
James Oakley
Head of Buy-to-Let
James specialises in investment mortgages, helping landlords build property portfolios. With deep market knowledge, he secures competitive buy-to-let rates and portfolio mortgage solutions for complex cases.
Ellie-Anne Woolley
Protection Case Handler
Ellie-Anne manages protection insurance cases, ensuring clients have appropriate coverage for mortgage security. She provides expert advice on life insurance, critical illness cover, and income protection policies.
Questions
Can I get a mortgage with bad credit?
Yes, we specialise in adverse credit mortgages. Lenders consider your current financial situation and repayment capacity alongside your credit history.
What deposit do I need for a first-time buyer mortgage?
Minimum 5% deposit required, though higher deposits secure better rates. Help to Buy schemes and Right to Buy discounts may apply.
Do you offer buy-to-let portfolio mortgages?
Yes, we arrange portfolio mortgages for landlords with four+ properties, consolidating multiple buy-to-let mortgages into one manageable account.
How much can I borrow for a mortgage?
Typically up to 5 times your income, but this varies based on age, dependants, and financial commitments. Our advisors assess affordability accurately.
Are there fees for your mortgage advice?
Yes, fees range from £594–£2,194 depending on complexity. We discuss all costs transparently before proceeding with your application.
Can self-employed individuals get mortgages?
Yes, we specialise in self-employed mortgages using SA302 forms or company accounts to verify income for sole traders and limited company directors.
Videos
Reviews (5)
David Fenton
Jan 05, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
Emma and Frankie provided the most amazing customer service possible. Listened to my concerns and always provided reassurance throughout the process in a complex set of circumstances. Thank you and I would highly recommend CLS Money to anyone. You made my Christmas, thanks again David
Emma and Frankie provided the most amazing customer service possible. Listened to my concerns and always provided reassurance throughout the process in a complex set of circumstances. Thank you and I would highly recommend CLS Money to anyone. You made my Christmas, thanks again David
David Fenton
Jan 05, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
Emma and Frankie provided the most amazing customer service possible. Listened to my concerns and always provided reassurance throughout the process in a complex set of circumstances. Thank you and I would highly recommend CLS Money to anyone. You made my Christmas, thanks again David
Emma and Frankie provided the most amazing customer service possible. Listened to my concerns and always provided reassurance throughout the process in a complex set of circumstances. Thank you and I would highly recommend CLS Money to anyone. You made my Christmas, thanks again David
Lee Hunter
Dec 14, 2021
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Honestly cannot thank Vickie, Steve and the members of the team that helped me through my mortage process from start to finish they could not help me enough and they are a credit too CLS, although it was a long process they always responded promptly and put me at ease if I ever needed help. I will without doubt be recommending CLS to friends and family. I'm not one for reviews but these guys deserve it. Thanks so much.
Lee Hunter
Dec 14, 2021
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Honestly cannot thank Vickie, Steve and the members of the team that helped me through my mortage process from start to finish they could not help me enough and they are a credit too CLS, although it was a long process they always responded promptly and put me at ease if I ever needed help. I will without doubt be recommending CLS to friends and family. I'm not one for reviews but these guys deserve it. Thanks so much.
Beryl Phala
Dec 08, 2021
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Wow, where do I start..Ryan, Emma and Amy helped me through the process of RTB mortgage application. I really appreciate the way they seamlessly coordinated the whole process between all parties involved and put me at peace as a nervous first time buyer. CLS is the company to go to due to their excellent customer service. Highly recommended. Thank you very much
