CLS Money

CLS Money, operating as a trading style of CLS Money Ltd, functions as a UK mortgage broker. The firm was established in 2011 by its founder and Managing Director, Clayton Shipton, initially operating from a home office. Its foundational aim was to simplify the mortgage market and streamline the application process for its clientele. Following its inception, CLS Money experienced growth, leading to the opening of its first dedicated office in 2015.

Later that same year, the company expanded into a larger premises to accommodate its growing team, and by 2018, it further extended its reach by opening its first high street branch. The firm is authorised and regulated by the Financial Conduct Authority (FCA), ensuring adherence to industry standards and consumer protection. The company provides a comprehensive range of mortgage services designed to address various client needs. These services include assistance for first-time buyers navigating the property ladder, remortgaging options for individuals looking to switch their existing deals, and support for those moving home.

CLS Money also caters to clients interested in the rental market, offering guidance for those looking to start or expand their buy-to-let property portfolios. The firm's approach is characterised by "straight talking advice," aiming to eliminate jargon and reduce stress throughout the mortgage application journey. A significant area of specialisation for CLS Money lies in addressing complex financial situations. The firm assists clients who may have faced challenges such as poor credit histories, including instances of bankruptcy, late payments, Individual Voluntary Arrangements (IVAs), defaults, County Court Judgments (CCJs), and debt management plans.

Furthermore, CLS Money supports individuals with non-traditional income structures, such as sole traders, those operating limited companies, contractors, and freelancers, who often require specialist lending solutions. The company's access to a broad spectrum of lenders, including specialised mortgage providers, allows it to seek out solutions for these varied and often intricate circumstances. CLS Money's operational model involves dealing with lenders from across the entire market, providing access to over 120 different FCA-regulated mortgage providers. This extensive market access enables the firm to identify suitable mortgage products for its clients.

The company outlines its process in three steps: enquiry, application, and completion. During the application phase, CLS Money handles the necessary paperwork and manages the entire mortgage application, communicating directly with solicitors and lenders to streamline the process for the client. The firm offers flexibility with appointments, providing both over-the-phone and face-to-face options to suit client convenience. The firm places emphasis on delivering a supportive client experience, guiding individuals from their initial contact through to the completion of their mortgage.

This commitment is reflected in the company's reported client feedback, with over 2,000 five-star reviews. CLS Money's internal values include collaboration and innovation, which are intended to foster a team culture focused on continuous development and the delivery of effective client experiences. While the firm offers buy-to-let mortgage services for additional properties, its primary focus is on general residential and investment property mortgages, and it does not specifically highlight expertise in purpose-built student accommodation (PBSA) within its publicly available information.