Self-employed and contractor income
Reading accounts the way each lender does, and placing the case where the most of your income counts.
Whole-of-market · FCA regulated
About Bradgate Financial Solutions, Your Essex Mortgage Adviser
A whole-of-market, FCA-regulated brokerage run by one qualified adviser who deals with you directly, not a call centre.
No obligation
A 15-minute call is usually enough to tell you where you stand, and whether we're the right people to help.
Get in touchFCA regulated · FRN 672856CeMAP qualifiedWhole of market25 years in Essex
In short
Bradgate Financial Solutions is a whole-of-market, FCA-regulated mortgage brokerage based in Essex, run by David Clark, a CeMAP-qualified adviser with 25 years' experience. We give first-time buyers, movers, remortgagors and the self-employed straight, plain-English advice, and we're upfront about how we're paid.
Who we help
What do we specialise in?
We advise across the full range of residential and buy-to-let cases, but these are where clients tell us we add the most:
First-time buyers
Taking people from confusion to keys without jargon, including the schemes actually worth using.
Adverse credit
Matching real credit files (defaults, CCJs, missed payments) to lenders that will still consider them.
Remortgages and product transfers
Making sure clients never drift onto an expensive standard variable rate by accident.
Protection, sensibly
Covering the debt properly without over-selling policies you don't need.
Who we help
How we work, and how we're paid
You deal with one adviser
The same person handles your case from first call to completion.
Whole-of-market
We compare across many lenders, not one provider's range.
Fees, stated plainly
£96 on a successful Decision in Principle, then £480 on completion. You see it in writing before you commit.
Honest limits
If your own bank's existing-customer deal beats anything we can find, or a product transfer is cheaper than remortgaging, we'll say so.
No guarantees, ever
We search and advise; approval is always subject to lender criteria and affordability.
Why this matters
On a regulated finance site, anyone can claim to be "trusted". What actually counts is verifiable: our FCA Firm Reference Number 672856, our Companies House record 09004063, and the adviser's individual FCA reference DJC01353, all checkable in under two minutes, and all consistent with what's shown across this site.
Your adviser
You'll deal with a person, not a call centre
Meet David Clark, CeMAP
Hi, I'm David Clark, a CeMAP-qualified Mortgage Consultant with Bradgate Financial Solutions. Based in Chelmsford, I help local clients with mortgages, insurance, and financial protection.
Whether you're buying your first home, remortgaging, or looking for the right cover, my team and I are here to support you.
You can confirm my authorisation on the FCA Register under individual reference DJC01353.
FAQ
About us, common questions
Who will I be dealing with?
You deal directly with David Clark, a CeMAP-qualified adviser, from the first call through to completion, not a call centre or a rotating team. That continuity matters when your case has any complexity.
What qualifications does the adviser hold?
David Clark holds the CeMAP qualification (the industry standard for UK mortgage advice) and is listed on the FCA Register under individual reference DJC01353. You can verify this on register.fca.org.uk.
How are you paid?
A £96 admin fee is payable on a successful Decision in Principle, and a fee of £480 is payable on completion. We also receive a procuration fee from the lender, which varies depending on the lender chosen and is disclosed once one is selected. Every fee is explained to you in writing before you commit to anything.
Are you really independent?
We advise on a whole-of-market range rather than being tied to one lender. Our recommendation is driven by your circumstances and the available products, not by a single provider's shelf.
How do I check you're legitimate?
Search our Firm Reference Number 672856 on the FCA Register at register.fca.org.uk, and our company number 09004063 at Companies House. Both should match the details shown across this site.
No obligation
Let's find out where you actually stand
Free, no obligation, and we'll tell you honestly if we can't help. We reply the same working day.