Mortgage guides and advice
Can You Get a Mortgage with Complex Income?
Absolutely – Here’s How If you’re self-employed, a contractor, or have multiple income streams, you’ve probably heard the term complex income when applying for a
Can We Still Get a Mortgage if My Partner Has Bad Credit?
The short answer? Yes—you absolutely can. If you’re a first-time buyer and your partner has a poor credit score, don’t panic. While it may feel
Declined Mortgage Application? Here’s How We Can Help You Turn It Around
Securing a mortgage is one of the most exciting and often nerve-wracking steps on the journey to owning your dream home. But what happens when
Self-Employed or Have a Complex Income? Getting a Mortgage Isn’t Out of Reach
At Clever Mortgages, we speak to people every day who’ve been turned away by their bank simply because they don’t fit into the “traditional” salary
The Ultimate Guide to Shared Ownership Properties and Shared Ownership Mortgages.
Who Are Clever Mortgages and How Can We Help? At Clever Mortgages, we specialise in helping individuals secure the right mortgage for their needs, including
Credit Reports and Mortgages: What You Need to Know
When applying for a mortgage, one of the biggest factors that lenders consider is your credit report and credit score. But here’s the catch—not all
Why You Should Start Thinking About Remortgaging 6 Months Before Your Fixed Rate Ends
If your mortgage fixed rate is ending soon, now is the time to take action. Many homeowners leave it too late and end up paying
The Most Common Questions First-Time Buyers Ask About Mortgages (And The Answers You Need!)
Buying your first home is exciting—but it can also feel overwhelming, especially if you’ve had financial issues in the past or don’t have a credit
Stamp Duty Changes in April 2025 – The Countdown Begins!
If you’re planning to buy a property, time is running out to take advantage of the current Stamp Duty rates before the upcoming changes in
Joint Beneficiary vs. Tenants in Common: What’s the Difference?
When buying a property with someone else, one of the key decisions you need to make is how to own the property together. The two
Where Are Mortgage Interest Rates Heading in 2025?
If you’re thinking about buying a home or remortgaging this year, you’re probably wondering where mortgage interest rates are headed. The good news? Inflation is
Was Your Mortgage Application Declined? Here’s What to Do Next
Getting your mortgage application declined can feel like a punch to the gut. But don’t worry—it’s not the end of the road. While your first
