Free Mortgage Clinics for Businesses in Warrington

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.

Absolutely nothing. Our mortgage clinics are completely free to employers and employees alike. There are no hidden fees, no set-up charges, and no minimum booking requirements. The service is designed to be cost-effective, accessible, and easy to implement across workplaces of any size in North Wales.

The reason we’re able to offer this without charge is because we receive a standard procuration fee from the mortgage lender — but only if an employee decides to go ahead with a mortgage application through us. That fee does not affect the product cost for the employee and doesn’t compromise our independence, as we search across the whole of the market to find the most suitable deal.

Your business isn’t entering into any formal financial agreement. We’ll provide promotional materials, manage appointment bookings, and support your HR team throughout, all without you needing to spend a single penny. Our aim is to make mortgage support part of your wider wellbeing offer — no budget required.

Given today’s economic climate, this kind of no-cost employee support can have a big impact, especially in regions like North Wales where housing affordability and access to financial advice can be real barriers.

Yes—and we respect that. Our clinics are voluntary and confidential. No personal financial information is shared with the employer. Employees are free to choose whether they book an appointment, and there is no obligation to proceed with any product or service.

That said, financial wellbeing does impact job performance. Research from the Chartered Institute of Personnel and Development (CIPD) shows that financial stress leads to reduced productivity, higher absenteeism, and poorer mental health. By offering optional support in the form of mortgage advice, employers can demonstrate care and responsibility without intruding into personal matters.

You’re not prying—you’re providing a resource that’s there for employees to use if and when they choose.

No — as the employer, you are not liable for any of the advice given during our mortgage clinics. All guidance is provided by Chesterton Grant’s fully qualified, FCA-regulated mortgage advisers. These professionals work under a strict regulatory framework, carry full professional indemnity insurance, and are solely responsible for the recommendations and advice they offer.

Your role as an employer is to facilitate the opportunity — not to be involved in any part of the advice process. Employees engage directly with Chesterton Grant in a private and confidential setting. You are not expected to collect, manage, or review any of the information shared. This ensures complete separation between the workplace and the advisory relationship, and it protects your business from any form of legal or financial liability.

We also ensure all necessary documentation, privacy policies, and consent processes are in place. Employees receive full transparency about how their data is used and have the freedom to opt out at any point. No employee is ever pressured to use the service, and no information is shared with the employer unless explicitly authorised by the individual.

In practical terms, this is no different than allowing an external provider to deliver flu vaccinations or financial coaching in your workplace — you are enabling a service, not delivering it. You can feel confident that all compliance requirements are met by us, and your duty of care is fulfilled simply by choosing a reputable, authorised provider.

For added reassurance, we offer a full overview of our regulatory status, adviser qualifications, and client care standards prior to your first clinic. You are welcome to review our documentation and speak to our compliance team if needed.

In summary: you are never responsible for the advice given, and you bear no risk. Your business is simply providing access to a service that supports your employees’ wellbeing — much like any other external benefit or third-party support programme.

Do workplace mortgage clinics affect em

Not at all. In fact, one of the key benefits of offering mortgage clinics is that they can actually improve focus and reduce absenteeism. Financial uncertainty is one of the most common causes of stress for working adults, and unresolved housing concerns can significantly affect someone’s concentration, performance, and engagement at work.

Our clinics are designed to integrate seamlessly into your working day. Each appointment lasts around 20–30 minutes and is scheduled in advance. We work with your business to offer time slots that suit your operations — including early mornings, lunchtime appointments, or post-shift sessions. This flexible approach ensures that employees can attend without disrupting business-critical periods.

Importantly, staff only attend if they want to — there is no requirement or pressure for anyone to book a slot. Those who do take part are often more focused and confident afterwards, having gained clarity on what may be a long-standing source of stress or confusion.

Our team manages all the scheduling, reminders, and follow-up, so you’re not left with extra admin. We also provide reporting and insights on overall clinic engagement (without disclosing any personal data) so you can track uptake and feedback.

From experience, we’ve found that clinics are viewed positively by both employees and managers. They signal that your business is forward-thinking and invested in real-life issues, and they tend to boost morale and satisfaction. Productivity gains may not be immediately visible, but the long-term impact on wellbeing and retention is well documented.

In a nutshell: the time investment is minimal, the service is well managed, and the benefits often outweigh the short break away from the desk. By helping your employees resolve one of life’s biggest stressors, you support a healthier, more focused workplace overall.

Yes — our mortgage clinics are designed to support employees across a wide range of scenarios, not just first-time buying. In fact, remortgaging and moving house are some of the most common reasons employees use our service.

Many people don’t realise how much they could save by reviewing their current mortgage deal. With interest rates having shifted significantly over the last few years, thousands of households across Warrington and beyond are either on outdated deals or heading towards the end of fixed terms. Our advisers can help employees understand their options, compare current rates, and see whether switching lenders or renegotiating terms would be beneficial.

We also regularly support staff who are relocating — whether moving across town, to a new region, or simply upsizing. Our clinics provide clarity around how existing mortgages can be ported, whether new lending will be required, and how affordability might be assessed differently.

Buy-to-let advice is also part of the service. For those interested in property investment, we offer guidance on the different lending rules, tax considerations, and market expectations. While we don’t offer tax or legal advice, we ensure employees understand the financial side of becoming a landlord and can connect with appropriate professionals where needed.

Even those not actively pursuing a new mortgage can benefit. Many employees simply want to understand how mortgage terms work, what impact a career change might have on borrowing, or what’s possible after a life event such as divorce or starting a family. Our whole-of-market approach gives them access to a wide range of options — and our advisers take the time to explain everything in plain English.

So whether your employees are looking to save money, secure a new home, or build a property portfolio, our clinics can provide the trusted, confidential advice they need to move forward with confidence.

Chesterton Grant is an established, independent mortgage brokerage with a strong track record of delivering workplace mortgage clinics that genuinely make a difference. What sets us apart is our ability to combine local knowledge with whole-of-market access, all while providing a completely free, no-pressure service.

We understand that every workplace is different — and that employees in Warrington face their own set of housing challenges, whether it’s affordability in Grappenhall, new builds in Chapelford, or rising interest rates across the town. That’s why we tailor each clinic to meet your business’s structure and your team’s specific needs.

Our advisers are fully FCA-regulated, qualified, and experienced in dealing with a wide range of mortgage scenarios. Whether it’s a first-time buyer with questions, a homeowner looking to remortgage, or an employee exploring buy-to-let, we ensure every individual receives advice that’s clear, personalised, and trustworthy.

We handle all the setup, communication, scheduling, and follow-up — so you don’t have to. Clinics can be delivered on-site, remotely, or in a blended format, depending on your working model. There’s no obligation to continue, no contract to sign, and no disruption to your daily operations.

Choosing Chesterton Grant isn’t just about offering a mortgage clinic. It’s about delivering a financial wellbeing benefit that adds real value to your business. You demonstrate care, improve staff confidence, and support retention — all without spending a penny.

As a result, you create a culture where employees feel supported in both their personal and professional lives — and that, in today’s employment landscape, can make all the difference.