Free Mortgage Clinics for Businesses in Flintshire

A workplace mortgage clinic is a professional, confidential service provided at your place of work (or remotely) to give employees direct access to qualified mortgage advisers.

Organised by Chesterton Grant and fully regulated by the Financial Conduct Authority (FCA), these clinics offer one-to-one appointments where staff can discuss anything from first-time buying and remortgaging to moving home, property investment, or equity release.

Each session typically lasts 20–30 minutes and is tailored to the individual’s circumstances. Employees can bring along questions, get personalised recommendations, and walk away feeling clearer and more confident about their next steps. And all of this takes place at work, during a time slot that fits around their duties — saving them the time, stress, and confusion often associated with dealing with mortgage matters alone.

The benefit to staff is obvious: they receive free, impartial guidance without needing to book time off work or navigate confusing online tools. But employers also stand to gain. Financial wellbeing is increasingly linked to productivity, loyalty, and workplace morale. Employees distracted by mortgage stress are less likely to perform at their best. Offering this type of support demonstrates a genuine investment in their lives beyond work, improving engagement and retention.

The best part? It’s completely free for employers and staff. Our advisers are compensated by lenders only when a mortgage application completes — and that never impacts the impartiality of the advice or adds cost for the employee. From internal communications and appointment booking to GDPR compliance and adviser vetting, we manage the entire clinic for you.

In a competitive hiring environment, benefits like this help your organisation stand out. They show you're not just ticking the wellbeing box — you're delivering real, tangible value. For your team, it’s a chance to demystify the mortgage journey. For you, it’s a powerful tool for staff support and retention — all at zero cost.

Offering a workplace mortgage clinic through Chesterton Grant is completely free — for both the employer and every member of staff who attends. There are no setup charges, no consultation fees, and no hidden costs whatsoever. This makes it one of the most financially accessible wellbeing benefits an organisation in Flintshire can introduce. The service is funded entirely by the mortgage advice process itself, not by the business hosting the clinic. That means employers can provide a high-value benefit without committing any of their budget or internal resources.

From the employer’s perspective, there is no subscription, no contract, and no requirement to continue beyond a single clinic if they choose not to. Everything needed to run the clinic — promotional materials, appointment scheduling, adviser time, follow-up communications — is handled by Chesterton Grant at no cost. This makes the programme ideal for businesses across Flintshire, from large manufacturers in Deeside to small offices in Mold, Buckley, Holywell, and Shotton, because it places no pressure on financial or HR capacity.

For employees, the advice they receive is also free and without obligation. Staff can explore mortgages, remortgages, buy-to-let, Help to Buy, or general affordability planning without any expectation that they must proceed with an application. The adviser’s role is to provide clarity, guidance, and reassurance — not to sell. Even if an employee only wants to understand how interest rates work or what they might be able to borrow in the future, they can gain that insight without cost.

The value of this free service becomes even clearer when compared to the cost of arranging mortgage advice privately. Many individuals struggle to access appointments at convenient times, and some advisers charge fees for advice or application support. By hosting a workplace clinic, your business removes a financial and practical barrier that prevents many people from seeking help early.

In summary, a mortgage clinic is a rare employee benefit: entirely free, simple to organise, high in value, and low in risk. It costs your business nothing, yet delivers meaningful financial support that can reduce stress, improve morale, and enhance employee retention. For employers aiming to help their workforce without stretching budgets, this makes mortgage clinics one of the most cost-effective wellbeing initiatives available in Flintshire today.

It’s true that employees’ personal finances — including mortgages — are private matters. However, offering a mortgage clinic is not about intruding into those private affairs. Instead, it provides a confidential, voluntary opportunity for staff to get professional guidance in an area that causes significant financial stress. The employer never sees any personal information, and all conversations take place strictly between the adviser and the employee.

Modern wellbeing strategies increasingly recognise that financial stress is one of the biggest contributors to reduced productivity, anxiety, absenteeism, and low morale. Housing costs, rising interest rates, and affordability pressures are affecting many workers across Flintshire. Even though these issues are personal, their impact is often felt visibly in the workplace. When employees are stressed about their mortgage, worried about remortgaging, or uncertain whether they can afford to move home, it can be difficult for them to focus fully on work tasks.

Providing access to expert mortgage advice is therefore not about involving the employer in the details of someone’s finances. Instead, it is a way of equipping staff with the knowledge and support they need to make confident decisions — which ultimately benefits their wellbeing and performance. It’s similar to offering mental health resources, financial education workshops, pension guidance, or onsite health checks. These initiatives respect personal boundaries while providing a support system employees genuinely appreciate.

Importantly, clinic attendance is completely optional, and staff choose how much information they wish to share. Many employees prefer speaking to an adviser at work because it’s more convenient, more private, and avoids long waiting times often associated with arranging independent meetings outside working hours.

What’s more, offering a clinic sends a powerful message: that your business recognises the real-life challenges employees face and wants to provide meaningful support. This fosters trust, loyalty, and a more caring workplace culture — without crossing any boundaries or asking employees to share anything with their employer.

In short, while staff’s financial affairs are indeed their own business, giving them access to confidential professional advice is a legitimate and valuable form of workplace wellbeing support. It respects privacy while providing practical help where many employees need it most.

No — your organisation carries zero liability for any advice provided during a workplace mortgage clinic. All guidance is delivered by FCA-regulated mortgage advisers, and the responsibility for the advice rests entirely with Chesterton Grant as the regulated firm. This means your business is not accountable for the content of the advice, the recommendations made, or any actions the employee chooses to take afterwards.

This structure is similar to how employers host other external professionals, such as occupational health teams, pension advisers, wellbeing coaches or financial educators. The employer provides the space or opportunity, but the advice itself is regulated and delivered independently. In the case of mortgage clinics, every adviser follows strict compliance rules, maintains rigorous documentation standards, and holds full professional indemnity insurance — ensuring all regulatory obligations are met.

Employees also receive the same level of protection they would expect if they sought advice privately. This includes suitability assessments, affordability checks, record keeping, and clear disclosures about products and lenders. Your company is not involved in these processes and does not have access to any personal information.

Furthermore, participation in the clinic is voluntary. Staff are under no pressure to accept recommendations or proceed with applications. They can simply ask questions, gather information, or explore future plans. Many employees attend even when they are not ready to make a mortgage decision — and this carries no risk to the business.

In Flintshire, where many organisations operate across manufacturing, education, public services, and logistics, this distinction is particularly important. Businesses want to support their workforce but cannot take on additional compliance responsibilities. Workplace mortgage clinics offer the perfect balance: meaningful support for staff, with no legal, financial, or regulatory exposure for the employer.

In summary, your company does not provide the advice, does not influence outcomes, and is not liable for any decisions employees make. That responsibility lies solely with the regulated advisers delivering the sessions. You simply provide access to a beneficial service — with full protection and peace of mind.

On the contrary, mortgage clinics often increase productivity rather than reduce it. Many employees spend significant time worrying about their housing costs, researching mortgage options online during breaks, or taking time off to attend external appointments. By hosting a clinic on-site or virtually during working hours, you eliminate the need for employees to juggle these tasks independently, helping them stay more focused throughout the day.

Each appointment lasts just 20–30 minutes and is scheduled in advance. Employees choose a time that suits their workload, and most employers find that the brief, structured format means there is minimal disruption. It is comparable to attending a short HR meeting, a training session, or a health check.

Financial stress is one of the leading contributors to lower productivity among UK workers. In Flintshire, where many households face rising mortgage costs and uncertainty over interest rates, employees often feel overwhelmed or anxious. This can affect concentration levels, decision-making, and motivation. Providing access to expert advice directly addresses these concerns, empowering employees to regain control over their financial situation.

Rather than losing time, businesses frequently report that staff return to work more focused after their sessions — relieved, reassured, and with a plan. Many describe the clinic as a turning point in reducing anxiety, particularly for those dealing with remortgaging challenges or planning their first purchase.

Additionally, clinics are optional, so only employees who find the service beneficial will attend. This means no wasted time, no compulsory meetings, and no impact on those who do not need mortgage advice.

Employers across Flintshire — from Deeside industrial estates to office hubs in Mold and educational settings across the county — have found that clinics integrate smoothly into the working day. The process is efficient, unobtrusive, and tailored to the rhythms of your organisation.

In summary, workplace mortgage clinics are designed to support productivity, not hinder it. By resolving financial worries and providing quick, convenient access to expert advice, they free employees to focus more effectively on their roles — benefiting both staff and the wider organisation.

Yes — mortgage clinics are designed to support employees with a full range of mortgage needs, not just first-time buyers. Whether someone is remortgaging, moving home, expanding into buy-to-let, or simply planning ahead, the adviser provides personalised, whole-of-market guidance tailored to their individual circumstances.

Remortgaging support is particularly valuable in Flintshire, where many households have seen mortgage rates change rapidly over the last few years. Employees often struggle to understand when they should remortgage, what their new payments could look like, or whether they should fix or track their rate. A clinic gives them the opportunity to review their current deal with an expert and receive clear, unbiased advice on their options.

For employees considering moving home, the adviser can help assess affordability, discuss potential deposit requirements, and explore available lenders. Whether someone wants to move to a larger property, relocate within Flintshire, or downsize, the clinic provides practical, actionable guidance to help them understand the financial implications and find a suitable mortgage product.

Those interested in buy-to-let or holiday lets — a growing trend in North Wales due to tourism — can also benefit. Advisers can explain rental yield considerations, tax implications, lending criteria, and the differences between personal and limited company ownership. This helps employees make informed decisions before committing to an investment.

The adviser can also assist with:

Affordability calculations

Credit report queries

Help to Buy legacy schemes

Porting existing mortgages

Understanding interest-only vs repayment

Exploring fixed, variable, and tracker options

Because the service is confidential and tailored, employees can share their concerns openly and receive advice that directly addresses their needs.

In summary, workplace mortgage clinics provide comprehensive support across all major mortgage scenarios. Whether an employee is remortgaging, moving home, or exploring buy-to-let, they gain clarity, confidence, and expert guidance — all at no cost and with zero disruption to the business.

A free mortgage clinic delivers meaningful advantages for employers, even though it costs nothing to run. The most significant benefit is the positive impact on employee wellbeing. Housing and mortgages are major sources of financial stress, and when staff are uncertain about their mortgage situation, it can affect their focus, confidence, and productivity. By providing access to expert advice, you help remove that stress — leading to a more engaged, settled workforce.

Another key benefit is improved retention. Employees increasingly expect employers to support their wellbeing beyond the basics. When you offer a practical, high-value service like mortgage advice, it demonstrates that your organisation genuinely cares about its people. This fosters loyalty and reduces staff turnover — a crucial advantage in competitive labour markets such as Deeside and Mold.

Workplace mortgage clinics can also enhance your employer brand. Candidates want to work for organisations that provide real-world support. By promoting the availability of mortgage clinics, you position your company as progressive, supportive, and committed to employee welfare. This can give you an edge when attracting skilled workers, especially in sectors where recruitment challenges already exist.

Operationally, mortgage clinics are simple. Chesterton Grant handles everything from promotion to booking management to follow-up. There’s no administrative burden on HR teams, no cost to the organisation, and no liability. The process integrates seamlessly into the working day, with appointments arranged around staff schedules.

There are also indirect benefits. When employees feel supported, morale improves, collaboration increases, and workplace culture becomes stronger. Staff who attend clinics often feel relieved and motivated because they’ve gained clarity around their financial situation. That renewed confidence can reflect in their work performance and overall satisfaction.

In summary, employers benefit through improved wellbeing, higher retention, stronger recruitment appeal, enhanced morale, and a more stable, engaged workforce — all without spending a single pound or taking on additional responsibility.

Chesterton Grant is one of the UK’s trusted providers of workplace mortgage clinics, offering a fully managed, cost-free service tailored to organisations across Flintshire. We combine FCA-regulated expertise with a friendly, accessible approach that makes employees feel comfortable discussing their financial goals.

One of the biggest advantages of choosing Chesterton Grant is our whole-of-market access. Employees benefit from guidance based on more than 90 lenders, ensuring they receive impartial, comprehensive advice. This is especially important in regions like Flintshire, where housing affordability varies significantly between towns such as Mold, Holywell, Buckley, and Deeside. Our advisers understand the local market pressures and provide advice grounded in real-world conditions.

We also make the entire process effortless for employers. From promotional materials to booking systems, appointment reminders, and post-clinic support, everything is handled on your behalf. HR teams appreciate that the service is plug-and-play — no workload, no cost, and minimal disruption.

Employees value our confidential, one-to-one approach. Sessions are designed to be supportive, jargon-free, and tailored to individual circumstances, whether someone is a first-time buyer, remortgaging, or investing in property. Our advisers focus on education and empowerment, not sales.

In short, Chesterton Grant delivers a high-quality, regulated, employee-centred service with zero cost, zero admin, and zero risk — making us the ideal partner for workplace mortgage clinics in Flintshire.