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
£576 in a typical case, payable 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.
After passing my CeMAP qualification in 2001, I started out working as the mortgage adviser within an estate agent's.
The regular flow of customers meant I quickly gained an overview of the high street lenders.
What I realised though was that there were a whole raft of people who for one reason or other didn't fit into the tick boxes of the mainstream lenders, who ‘cherry picked’ their way through the applicants looking for a mortgage.
After a few years I decided to go on my own and start a company that looked after these people.
I made it my mission to search out lenders that would find a place for these clients and help them to achieve their ambitions, whether it was to purchase their new home, move on to buy a new home, or remortgage their current one.
I gained access to approximately 100 lenders and believe there is a deal to be had for the vast majority of people.
A few years ago I decided to start working with Bradgate Financial Solutions to help give me additional compliance support and to have the back office help that is necessary these days.
I feel this has strengthened the offering I can make to my current clients, and the advice I can give to new ones.
So if you want a company that doesn't treat you as a number and makes sure you get the right deal for you, then call or email me and find out what makes us special.
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?
Our initial consultation is free. There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £576 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.