Mortgage guides and advice
Clever Mortgages sees mortgage rates drop, despite Bank of England rate increases.
Clever Mortgages, who arrange mortgages for all types of customers, be that with a poor or excellent credit score, has advised homeowners and potential purchasers
Can you get a non standard property mortgage?
Yes, it is possible to get a mortgage for a non-standard property, but the process can be more complex and may require more documentation and research than a standard property.
My partner has bad credit, can we get a mortgage
Yes, it is possible to get a mortgage with your partner who has bad credit, but you may have fewer options compared to both people having a good credit score.
What is a fixed rate mortgage UK
A fixed rate mortgage basically means that your interest rate and payments won’t change for the initial product period of your mortgage.
How does a credit score work?
Have you ever wondered how a credit score works? How it can affect you? Or why there are different agencies that create your reports?
Below we answer your questions and a link to a free credit report check*
What is a residential mortgage?
A residential mortgage in the UK is a loan that is used to purchase a property for use as a primary residence. The lender, typically a bank or building society, uses the property as collateral for the loan. The borrower makes monthly payments to the lender until the loan is fully repaid, which is typically over a period of 25-30 years.
Right to Acquire scheme – The ultimate guide
Right to Acquire is a scheme available if you are a housing association tenant in England. The scheme gives tenants the right to purchase their home at a discounted price. To be eligible for the scheme, tenants must have had a public sector landlord for at least three years.
EPC RATINGS – What do landlords need to consider
EPC RATINGS – It contains information about a property’s energy use and typical costs along with recommendations on how to reduce energy use and save money.
UK interest rates rise to 3.5%: How will a rise affect you?
UK interest rates rise to 3.5%: How will a rise affect you?
The benchmark rate stands at 3% and is widely forecast to go up to 3.5% following the latest meeting of the Monetary Policy Committee.
Moving House Checklist
Moving house checklist. Please find below our hints and tips for moving house.
Firstly, plan ahead, dont leave it until the last minute.
New and Existing Customers
Our customers are important to us so here is some hints and tips and on how we can help you
What is Equity Release?
Equity release is a way to get cash from the value of your home. It allows you to unlock some of the equity (money) tied up in your property
