Is it too late to go through clearing?

I should add I wish to change my course AND my school, so its not as simple as a transfer at the end of the year.

You can put in a late application now if you wish. Call and ask the universities you are interested in if they will consider you now that the deadline has passed.

Would I apply directly to universities or through UCAS?

Okay so I am currently in university, first year - but I am wholly dissatisfied with my course, its nearly the last term at university but I honestly don't feel I can get through the last term. I'm certain I want to leave at the end of this year - but I'm aware that I will then have to wait a whole year before I can reapply for university. Or not? Is there some way of submitting an application now - before I drop out of my current university, and getting an offer through clearing? Or must I completely leave my current university first? Also how will this affect my student finance?? Am I still eligible for all of the finance I currently receive (loan and grant)

Have you spoken to your Personal Tutor about how you are feeling? If you haven't then go and do it.

Firstly, they need to know you are unhappy there, secondly, they will be able to help you with practical advice about what to do next, and finally, you need to keep them on your side as you will need a reference from your current Uni.