David Clift

Independent Mortgage & Protection Specialist

With 20 years industry experience, David has a wealth of knowledge behind him in the Mortgage & Protection space. David specialises in Mortgage Planning, covering both Residential and Buy to Let. He also covers all ascpects of Protection planning including Life Assurance, Critical Illness Cover and Income Protection.

Obtaining the right independent financial advice is paramount and we have the specialists available to manage your financial needs covering all aspects of Pension, Investment, Mortgage and Protection planning. The firm fully embraces the latest technology to maximise planning time for advisers and minimise client cost. For an initial enquiry or a comprehensive financial review please email enquiries@pennymatters.co.uk or call us on 01344 988390.


Be sure to obtain independent advice when making one of the biggest financial commitments in your life. We have experts to advise you on all types of mortgages.


Have you considered the financial consequences of not having adequate protection cover in place? Help make sure your family are financially protected for every eventuality.

Corporate Services

Increase the value of your employee benefits package. Contact us to understand the benefits for your employees.


We have access to professional conveyancing firms and can provide you with a competitive quotation. Please drop me an email for further details.


We have access to RICS accredited surveyors and can provide you with a competitive quotation for all types of surveys. Please drop me an email for further details.

Home Insurance

Your home will be the largest asset you own. Speak to me to ensure you have the correct level of cover in place to protect your home and contents.


Over 50% of adults do not have a will. If you are one of these, please take action now. I can refer you to a dedicated will writer who will ensure you make the decisions on how your assets are distributed.

What my clients say about me

David was fantastic at explaining the different options we had for our buy to let mortgage.  He’s patient, knowledgeable and the final result was a considerable saving on our monthly repayments.  

LM, Reading

We have used Dave on a number of occasions over the years to arrange our mortgage, we have always received a very professional service, Dave is very knowledgeable and has always managed to secure us a very good rate.  Any queries we have had have been quickly answered and the whole process is very smooth from start to finish.  I recommend Dave to any friends or family as I’m confident of the service they’ll receive.

CM, Reading

Dave has helped us with our mortgage requirements since 2015 when we were first time buyers with zero knowledge of how it all worked. Since then we have continuously recommended him and his services to all of our friends and family. He is very knowledgeable, kind, trust worthy, approachable and no question asked is a silly question. We wouldn’t use anyone else.

JD, Reading

I would definitely recommend Pennymatters. Dave Clift was excellent, he understood exactly what we wanted and worked hard to help us get the mortgage we needed. Always responsive with a friendly and efficient manner.

BM, Reading

We have used David as our mortgage advisor for the last 10 years. He has always responded quickly and helped us find the best deals. We completely trust him and would have no hesitation recommending him to others – in fact we have done so, to some friends. Wouldn’t go to anyone else now! 

LH, Andover

I recently used David for moving house. This was my third mortgage with him and he has been absolutely amazing, and I wouldn’t have been able to complete the whole process without him. He answered all questions/queries I had and explained everything to me. Everyone was telling me how stressful the process of moving would be, but with David’s help I haven’t been that stressed at all! And can’t believe how quick and efficient the whole process was, always on the end of the phone and replying to emails within record time! I wouldn’t go anywhere else!

 SG, Reading 

I contacted David Clift about a year ago and expressed I wanted to buy a house for my son and I to live in but found the whole process very daunting. David reassured and supported me. He was able to deconstruct and explain in layman’s terms the jargon used by lenders. He answered all my questions and simplified the house buying/mortgage application process. I would recommend David to anyone who wants to buy property and would continue to use David in the future.

 LS, Maidstone 

I would thoroughly rate David for his first class knowledge of the market, his customer service and his ability to get things done.  I have used David’s services for nearly 6 years and have no intention of going elsewhere in the future.

 TM, Wallingford

For more information, please contact:

David Clift
T: 01344 577903
M: 07887 747278
E: davidclift@pennymatters.co.uk

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