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 box. Maybe you’re self-employed, a contractor, juggling multiple income streams or all three. And perhaps you’ve been told, “Sorry, you don’t meet our criteria.” But here’s the truth: Just because […]
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 shared ownership mortgages. Whether you have bad credit, no credit history, or are struggling to save for a large deposit, our expert brokers can guide you through the process and […]
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 credit scores are the same, and what you see on a credit checking app might be completely different from what your mortgage lender sees. Many people get caught off guard […]
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 more than they need to. At Clever Mortgages, we recommend starting the remortgaging process at least six months before your fixed rate ends to secure the best deal and avoid […]
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 dropping, and that could mean interest rates might follow. But it’s not quite that simple. Why Do Interest Rates Matter? Interest rates determine how much you pay on your mortgage […]
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 instinct might be to rush off and apply with another lender, it’s better to pause and figure out why you were declined in the first place. At Clever Mortgages, we’ve […]
Home Improvement Ideas: Transform Your Space with Clever Mortgages
It’s the perfect time to think about how you can enhance your living space and add value to your home. Whether you’re planning to create your dream kitchen, add an extra bedroom, or finally tackle that garden makeover, home improvements can transform your house into a space you truly love. But how do you finance […]
Consolidating Debt with a Second Charge Mortgage
What Homeowners Need to Know Managing multiple debts can be overwhelming, especially if you’re juggling credit cards, personal loans, or store finance agreements. Keeping track of different interest rates, due dates, and payment amounts can feel like a constant financial juggling act. Debt consolidation offers a potential solution – rolling all your debts into one […]
How Klarna and Buy Now, Pay Later Schemes Could Affect Your Mortgage Application
If you’re thinking about buying your first home, you might be wondering if using Klarna or other ‘buy now, pay later’ (BNPL) services could cause issues with getting a mortgage. Spreading out payments can be super helpful, but it’s worth knowing how lenders might see it. Will Klarna Stop You from Getting a Mortgage? Not […]
Mortgage Options for Those in a Debt Management Plan (DMP)
If you have been or are currently in a Debt Management Plan (DMP), you might wonder how this impacts your ability to get a mortgage. The good news is that there are mortgage options available, whether you’re currently in a DMP or have completed one. Let’s explore what a DMP is, the available mortgage options, […]
Getting a Mortgage with Defaults: Your Comprehensive Guide
If you have defaults on your credit file, the idea of getting a mortgage might feel overwhelming. However, it’s not impossible. There are lenders who specialise in helping people with bad credit, including defaults, CCJs, or even Debt Management Plans, get on the property ladder. This guide will explain what defaults are, how they affect […]
We’ve helped 1000s of customers, and still counting!
We’ve made it our mission to help as many people as possible find their perfect mortgage, specialising in helping people with a bad credit history or previous credit issues – we think everyone deserves a chance to remortgage or own their dream home! Difference between going direct to a lender and seeking the advice of […]
How debt consolidation can deliver real benefits for your future
Debt consolidation benefits. It’s a way of refinancing current debts into one, more manageable, loan to suit your monthly budget and future goals.
How a debt consolidation loan could reduce your monthly payments
If you have lots of payments to make every month and are struggling to afford them, then debt consolidation could be for you. It’s easily done, for example you pay for some shopping on one credit card, put the payment for your car’s MOT on another, and before you know it your monthly repayments have […]
Debt Consolidation Mortgages
Getting a new mortgage to consolidate your debts can be a good way to get your finances back on track. In this guide we’ll cover: How we helped a customer to save money every month with a debt consolidation mortgage – even with poor credit history! A little about the remortgage process with us – […]
