Richard Clark – Your Trusted Mortgage Broker in Dunstable, Bedfordshire

Are you looking for experienced mortgage brokers in Dunstable to help you secure the right mortgage? I’m Richard Clark, an expert mortgage and protection adviser, dedicated to assisting individuals and businesses in finding the most suitable mortgage solutions tailored to their financial circumstances.

With years of experience in the mortgage industry, I provide expert guidance, making the home-buying and refinancing process straightforward. Whether you’re purchasing your first home, moving property, or investing in buy-to-let, I ensure you receive the best advice based on your needs.

Professional Mortgage Advice You Can Trust

As a mortgage specialist, I offer tailored support in securing mortgage loans, refinancing, and protection plans. My services extend beyond what is typically available through direct lenders or comparison sites, ensuring you have access to a range of exclusive mortgage options.

With expertise in residential and commercial finance, buy-to-let mortgages, remortgaging, and bridging loans, I provide clear, practical advice, helping clients navigate the mortgage process with ease. My priority is to help you make informed decisions and secure the most competitive mortgage terms available.

Dunstable is one of the areas where Richard Clark offers tailored mortgage advice. He serves clients across Dunstable, helping them find suitable mortgage and insurance solutions. With a focus on clear communication and reliable support, Richard Clark works with individuals, landlords, and business owners across the mortgage market.

Residential, Buy-to-Let & HMO Mortgages in Dunstable

Whether you’re purchasing a family home or investing in a rental property, Richard Clark can help. As a trusted mortgage broker in Dunstable, Bedfordshire, he advises on:

• First-time buyer and home mover mortgages

• Buy-to-let for individual or company landlords

• House of Multiple Occupancy (HMO) mortgages

• Holiday let and student accommodation financing

Every case is assessed against current UK lending standards. This ensures your mortgage options match your affordability and long-term plans.

Bridging Finance: Fast, Flexible Short-Term Lending

Richard Clark specialises in bridging finance in Dunstable and surrounding areas. These loans are useful when you need fast funding, such as:

• Buying at auction with a 28-day deadline

• Bridging the gap before your property sells

• Refurbishing or converting a property

• Raising short-term capital for other business needs

Bridging loans usually last from 3 to 18 months and are assessed on exit strategy, property type, and equity. Richard ensures full transparency around costs, rates, and repayment expectations before proceeding.

Commercial & Semi-Commercial Mortgage Advice

If you’re buying or refinancing a business premises in Dunstable, Richard provides:

• Support for retail units, offices, and mixed-use sites

• Guidance on lender criteria and affordability stress tests

• Options for owner-occupied or investment properties

From high-street units to upper-floor flats above shops, Richard sources products that align with your business income and loan purpose.

Limited Company Mortgages for Dunstable Landlords

More landlords now buy or refinance properties through limited companies. Richard Clark helps with:

• Portfolio structuring under a Special Purpose Vehicle (SPV)

• Advice on lender eligibility for limited company ownership

• Managing interest coverage ratios (ICRs) for rental income

He works with lenders who understand landlord tax efficiency and limited company structures.

Second Charge Mortgage Options

If you’re keeping your current mortgage but need to raise capital, Richard may suggest a second charge mortgage. Uses include:

• Home improvements

• Business investments

• Debt consolidation

Lenders will assess your income, credit file, and existing equity. Richard helps you understand costs and compares options with standard remortgages.

General Insurance Services

Protecting your property and income matters just as much as securing it. Richard also arranges:

• Buildings and contents insurance

• Landlord insurance for rental properties

• Critical illness cover and life insurance

• Income protection policies

Advice is tailored to each mortgage application so you’re protected from the start.

Local Support in and Around Dunstable

While Dunstable is Richard’s main base, clients in the following Bedfordshire towns are also welcome:

• Luton

• Leighton Buzzard

• Flitwick

• Ampthill

• Biggleswade

• Sandy

These areas benefit from direct support, whether you’re buying residential homes or expanding your investment portfolio. Find a mortgage broker in Dunstable.

FCA-Regulated & Straightforward Mortgage Guidance

Richard Clark is an FCA-regulated mortgage broker. This means:

• All recommendations follow UK financial rules

• You receive clear, jargon-free advice

• Your personal data is treated confidentially

From first appointment to mortgage offer, Richard makes the process clear, honest, and efficient.

Why Choose Richard Clark in Dunstable?

• Local expert across residential, buy-to-let, bridging, and business mortgages

• Friendly service in English or Bulgarian

• Fully FCA-regulated and up to date with UK lending criteria

• Specialist in complex cases, short-term finance, and landlord mortgages

• Serves Dunstable and nearby Bedfordshire towns

• Offers protection policies alongside your mortgage

If you’re looking for a Mortgage Broker in Dunstable, Bedfordshire, Richard Clark is ready to help you secure the right deal with clear, compliant advice.