Mortgage guides and advice

How does taking a payment holiday due to COV-ID 19 affect my mortgage?

23rd April 2020

Due to the COV-ID 19 outbreak, many people are finding themselves furloughed and on a reduced income or have fallen ill and must take time

Hero mortgages – For the Hero’s among us!

30th March 2020

Here at Clever Mortgages we have access to a wide range of mortgage products including some that are only available to those of you providing

Should I protect my income?

27th March 2020

When it comes to protecting your family and livelihood, you just can’t be too careful.

Mortgage, rent and protection options during the Coronavirus pandemic

27th March 2020

Updated: 12 May 2020 Following the announcement from the Government, we wanted to reassure you that the team at Clever Mortgages are here to support

Protection options available during the coronavirus pandemic

27th March 2020

During these uncertain times, now more than ever, it’s worth knowing how your cover will protect you and your family should a tragic event occur.

Coronavirus update from Clever Mortgages

26th March 2020

We understand that these are worrying times, and everyone is doing their best to look after themselves, family and friends. There’s lot of uncertainty, and

Applying for a mortgage with a CCJ

25th March 2020

Finding a mortgage can be especially difficult if you have an adverse credit score. A CCJ, IVA or defaults (any missing payments) on your credit

Can I get 100% mortgage with 0% deposit?

23rd March 2020

Usually, lenders require at least a 5% deposit to readily provide a mortgage. A higher deposit means you’ll be eligible for more lenders and products, plus access to better rates- however, this isn’t always an option for first-time buyers in the current market. For those who can’t save up a deposit, or those who want to get onto the property ladder as soon as possible, there are other routes you can take that involve a much smaller, or no deposit.