Helen Clift

Independent Mortgage & Protection Adviser

Helen has a wealth of knowledge in the Financial Services industry and is passionate about helping clients with all aspects of their Mortgages planning, covering both Residential and Buy to Let, Purchase and Remortgage. Helen also advises on Protection planning, including Life Assurance, Critical Illness Cover, Income Protection and Household Insurance.
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

Helen has been wonderful through this journey. We are first time buyer and had no idea what to expect or hurdles we had to cross to get us our house. Helen has been there for every question, every issue. I would recommend her highly. Helen is very knowledgeable and has gone above and beyond for us, accepting calls at random times, getting back to us rapidly, helping us understanding the process, and just being an absolute star.


I just wanted to take a minute to email you to say thank you!  You have made this remortgage so stress free and I can’t thank you enough. This is the first time we’ve ever had to go through this and you made the process easy. Your knowledge and the way you were able to explain things to us in a way we understood was so appreciated. It was a really scary time as we had no idea how high the interest rates were going to go but you guided us through and I knew you had our best interests in mind the whole time. Honestly, thank you! See you in 2 years.


Helen has been a great help to us organising two new mortgages, one being a buy-to let for a rental property.  With a wealth of knowledge, Helen guided me every step of the way explaining the best options for us and looking at the different rates in these very uncertain times where rates are up and down from one month to the next. Needless to say, we have been so pleased that we have secured a tracker mortgage that suits us and secured a great rate for our buy-to-let.


I had the pleasure of dealing with Helen Clift who had arranged our new mortgage deal. After an initial consultation, Helen brought her rich knowledge and recommended an excellent mortgage product to me. Her advice on our remortgaging process helped us to secure an exceptional interest rate. Helen supported us throughout the journey, always remaining claim and on hand to provide answers, even during the most difficult and constant changing economical time.

CC, Reading


Helen from Pennymatters was amazing throughout the entire process of buying our house. She calmly talked us through all of our options and answered numerous questions and worries along the way!  She was very knowledgeable, non-judgmental and respectful and always willing to go the extra mile to help make this stressful process run smoothly.


I wanted to say a big thank you for all your help during remortgaging our house. Helen, you are pure professional, very responsive and always answered our questions. I’m sure you will hear from us again and we will be recommending you to our family and friends. 

All the best

D and M

Helen’s expertise and guidance throughout the entire remortgage process were invaluable, and we couldn’t be happier with the outcome. From the very beginning, Helen took the time to answer all our questions and provided us with a clear understanding of the mortgage options available. Her clear knowledge of the industry and attention to detail gave us confidence that we were making the right decisions.

PW and AW, Reading


For more information, please contact:

Helen Clift
T: 01344 577868
M: 07771 516240
E: helenclift@pennymatters.co.uk

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