A Little About Me
I’ve always had a drive to be helpful and improve people’s lives. I also love solving puzzles, so helping people as a mortgage adviser is my perfect profession!
I am dedicated in making the home-buying process as smooth and stress-free as possible, while ensuring my clients find the best deals suited to their unique and varied financial situations.
Who I Work With
I look after a wide range of clients, from First Time Buyers buying their first home in Bournemouth, families upsizing to a larger home in Winchester, Buy to Let portfolio landlords looking to save interest and raise funds to expand, all the way to development clients funding multiple barn conversions on a farm.
I have many years of experience helping people at all stages of their mortgage journey, providing tailored mortgage solutions to meet their unique financial needs and goals.
My Mortgage Superpowers
First-Time Buyer Mortgages: Purchasing your first home can be a daunting prospect. I can help you cut through the jargon, provide a friendly and helping hand through the process while also making sure you get the best possible mortgage deal for your circumstances. My combination of expertise, dedication and personal approach makes me a fantastic guide on your mortgage journey!
Self-Employed Mortgages: Being self employed or a contractor gives you fantastic flexibility and control over your life and earnings, but can seem complicated when you need to apply for finance and mortgages. I can help connect you to the right lenders that understand your situation and help achieve the mortgage that fits your needs and offers the most favourable terms and rates.
Buy to Let Mortgages: Whether you are looking to invest in the property market, keeping your property as a rental while you relocate, or refinancing a large portfolio, I have many years of experience in sourcing the best Buy-to-Let deals for your specific circumstances. I have a deep knowledge of the mortgage market, I can provide up-to-date advice and guidance to help you make informed decisions.
Specialist Mortgages: I have a wealth of experience in specialist mortgages, such as limited company Buy-to-Let mortgages, self build, unusual construction types, development finance, bridging finance and much more. I have a keen eye for detail and can thoroughly analyse complex financial situations to provide the best mortgage solutions.
What I can help with...
Me Outside Delta
In my spare time, I am an avid martial arts practitioner and coach, and I strive to apply the same attention to detail, perseverance and strategic thinking when navigating the complex mortgage landscape for my clients.
Why choose Cliff as a mortgage adviser in Eastleigh, Hampshire?
Based in Eastleigh, Cliff helps clients across Hampshire and beyond with both straightforward and specialist mortgage needs. His strength is in taking complex scenarios, breaking them down clearly and finding a practical route forward, especially where income, property type or borrowing requirements need extra care.
Can Cliff help if I have complex income?
Yes. Cliff works with clients whose income may not fit a standard employed structure, including self-employed applicants, company directors, contractors and those with multiple income streams. He can help present your circumstances clearly to lenders and identify mortgage options that may fit your situation.
Can Cliff offer advice on short-term funding for a project, like bridging finance?
Yes. Cliff can help clients explore bridging finance where short-term funding may be needed, such as buying before selling, auction purchases, refurbishment projects or time-sensitive property transactions. He’ll explain how bridging loans work, the costs involved and whether this type of finance could be suitable for your circumstances.
Can Cliff help portfolio landlords with mortgage advice?
Yes. Cliff can support portfolio landlords who need advice on refinancing, expanding their property portfolio, restructuring borrowing or reviewing existing buy-to-let arrangements. He can help you understand lender criteria, rental calculations and the wider options available for more complex property investment plans.
What type of mortgage advice does Cliff specialise in?
Cliff works with a wide range of clients, but has particular experience with more involved mortgage cases, including portfolio landlords, bridging finance, complex income arrangements and specialist lending. He’s well suited to clients who need practical, detailed advice rather than a one-size-fits-all approach.
Hear from happy people
"Highly recommend Cliff Lee at Delta Mortgages. Cliff has always made himself available, even at late hours of the day, to answer questions and progress things. Cliff is also very knowledgeable and inspires trust when he gives advice, which is very reassuring."
"Cliff helped me out an incredibly as my mortgage broker for my first property purchase recently. Found me a great product which worked for me in my circumstances, guided me through the process and was always available.
Would recommend Cliff in a heartbeat. Thanks"
"Cliff Lee has recently been an excellent help with my remortgage. I was nervous about the process and I didn’t know who to use - Cliff came highly recommended by a client of mine and I am so glad I instructed him. My financial circumstances are not ‘standard’ and he immediately proposed an excellent option which I was very happy with. An excellent, prompt, efficient and bespoke service, which is exactly what I was looking for. I will use Cliff again in the future and will recommend him to friends and contacts."
Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.
