These case studies demonstrate that complex and very individual requirements are our forte.

“We were fortunate to get the opportunity to build our dream home in July 2009 and chose our High Street bank to deal with our mortgage.

We were looking for a self build mortgage, which were readily available at the time but are, in general more expensive on rates and fees. In addition, there are fewer lenders who will consider self build mortgages and therefore less choice usually means higher rates.

After 7 months of meetings, emails and phone calls we were no closer to getting the money released and by this point we were due our builders a substantial sum of money. We were at our 'wits end' when a friend suggested we try Clear Mortgage Solutions.

From the outset Clear Mortgage Solutions were friendly and efficient giving us clear guidance and advice on the product we would be buying. As the property was now built Clear Mortgage Solutions recommended a remortgage of the property which in turn gave us access to many more products and much better terms. The rate secured was far less than we expected and the set up fees for the remortgage were also far more favourable.

Due to Clear Mortgage Solutions network of associates, knowledge of lenders and their efficient working, they were able to arrange the remortgage very quickly, in fact the mortgage was finalised and the money we required was released into our account within 72 hours of our first meeting!

Clear Mortgage Solutions carried out a full fact find and a decision in principal which was accepted. They then converted this to a full mortgage application, collated the required supporting documents such as PAYE slips and faxed these to the lender immediately. The surveyor was at the property the next day. His report was sent back to the lender on the second day and the mortgage was fully offered that afternoon. Clear Mortgage Solutions liaised with the solicitors firm expressing how urgent the case was and they in turn managed to turn the mortgage into liquid funds on the third day. A few days later Clear Mortgage Solutions undertook a full protection review, identified some gaps and arranged new protection for us. We were extremely grateful for the solid advice and speed of turnaround in a difficult situation.

If you want a company that you can trust to give you honest advice, a great product, delivered with a quick and friendly service I would highly recommend Clear Mortgage Solutions.”

Janet Jack, Ancrum, Scottish Borders

“My wife and I discovered that we may qualify for the shared equity housing scheme being offered by the Scottish government. Eildon housing advised that once we had organised a mortgage they would then approach the Shared Equity to apply for the funding.

We made an appointment with a local mortgage advisor in December 2010 and were advised that there should be no problem in obtaining a mortgage as both my wife and myself were in full time employment and had very little debt. However, by end January 2011 no progress had been made. It transpires that as we had no credit anywhere, we had a very poor credit rating and this was a problem for the mortgage lender. Further to submitting much detailed personal information, we were disappointingly advised at end February that the lender was not happy with the information provided and unable to lend on the property.

We had given up hope entirely until we received a recommendation from a friend regarding Clear Mortgage Solutions. After just 2 weeks Dominic Taddei confirmed he was able to get us a mortgage no problem, upon receipt of some basic information to supply to the mortgage lender.

During the process there were a few minor issues along the way which Dominic was always on hand either by telephone or email to assist with. No question was treated as pointless and all minor details were explained. The main hurdles that we encountered were all from the side of the lender as the Shared Equity meant this was not a usual mortgage and required more detail to be considered.

Dominic arranged everything for us including the lawyers, who were also fantastic to deal with, he made everything as easy as it possibly could be and walked us through every step of the way.

My wife and I are now happier than we thought possible in our new home and it is all thanks to the help from Dominic Taddei at Clear Mortgage Solutions and Joy McLean of Drummond Miller. Thank you both."

Graham J Godsell, Selkirk

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

Our typical fee for arranging your mortgage is £295, however depending on your circumstances we may charge up to 1.5% of the loan amount.

To discuss your requirements you can contact us on 0800 652 6649.

Think clearly! with Clear Mortgage Solutions.