Mortgage and remortgage specialists

Even if you have bad credit

Clever Mortgages - mortgage and remortgage specialists, even with bad credit

We’ve helped 1,000’s of customers get the perfect mortgage – specialising in helping people with bad credit.

  • Over 100 lenders
  • 1000’s of products
  • Bad credit experts
  • Find the right solution for your situation
  • Remortgage
  • Debt Consolidation
  • Right to Buy
  • Help to Buy

We have access to over 30 bad credit lenders

Speak to us for free about your mortgage

Or search our website for lots of help and advise about all kinds of mortgages and situations

See if you pre qualify for a mortgage

Enquire about a mortgage with our pre qualify affordability form. No imprint on your credit score

Why use a mortgage broker?

Most of our customers have had some form of credit difficulties, from low credit score, missed payments or declined a mortgage elsewhere.

How can we help find the right mortgage for you?

Mortgages with Bad Credit

General Mortgages

Specialist Lending

Insurance & Protection

Mortgage application process

3 simple steps for applying for a mortgage. See more about the mortgage application process here

Complete our quick form

Our quick form will give an indication of how much you could borrow and monthly payments. No imprint on credit record

Dedicated mortgage advisor

A dedicated mortgage advisor will be assigned your case. All advisors are trained in prime and bad credit

We search the market

Our advisors will search over 100 lenders and 1000's of products to find the right match for you

*Mortgage borrowing is intended to be a guide based on the amount of deposit entered and your income details.  A mortgage adviser will fully assess your requirements before making a mortgage recommendation.

Watch our video on the mortgage application process

There are many reasons why you may want to consider a remortgage, even if you have bad credit.  You may just need a better interest rate, which could save you money each month or give you security of payment.  Perhaps you wish to raise additional funds to consolidate debts or make improvements to your home.

Whatever your need, we have access to a wide range of products and could help to secure you finance no matter what your circumstances.

Free initial advice on all mortgages

Case Study

Here’s how we helped one couple save £485 a month

Debt consolidation remortgage, even with bad credit Secured a 5 year fixed rate of 2.10%
Consolidated to one monthly payment Credit score repairing

At Clever Mortgages we don’t believe that people should suffer due to a bad credit history. Mr H had been in an IVA and Mrs H was in a Debt Management Plan. They wanted to consolidate their secured loan, plus three other debts, into a new mortgage product – hoping that this would bring down their monthly repayments.

Mr and Mrs H were paying £1,582 and are now paying £1,097 per month.  Clever Mortgages we were pleased to be able to help them make a real difference to their lives, which is also helping them to improve their credit score.

 BalancePaymentRateProductTerm
Previous Mortgage£61,000£4901.25%Tracker12 Years
Previous Secured Loan £43,000£43610%Standard Variable Rate12 Years
Previous Unsecured debts£44,320£657VariousVariousVarious
New Mortgage£150,00£10972.10%5 Year Fixed13 Years

Previous Mortgage

Balance£61,000
Payment£490
Rate1.25%
Term12 Years

Previous Secured Loan

Balance£43,000
Payment£436
Rate10%
Term12 Years

Previous Unsecured Debts

Balance£44,320
Payment£657
RateVarious
Term13 Years

New Mortgage

Balance£150,000
Payment£1097.67
Rate2.10%
Term13 Years

Below are some of the lenders we work with

6 Great reasons to choose Clever Mortgages

Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Not every case is the same

As each customer’s situation is unique, we take the time to understand your situation, and we carefully assess your goals and how we’ll make sure the mortgage we get helps you to achieve them.

Access To Exclusive Rates

The relationship we have with our lenders means we have access to products and deals that simply aren’t available to customers going direct. This is true particularly for those in adverse credit situations.

Offering the best support

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We’re there for you at every step, always keeping you in the loop.

Offering the best support

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We’re there for you at every step, always keeping you in the loop.

About Clever Mortgages

We specialise in assessing an individual’s situation, and finding the right mortgage solution for them. We can help:

  • With remortgages, buy-to-let, and first-time buyers mortgages. We have experts who cover these areas
  • Even if you’ve got bad credit – we help people every day with a variety of credit histories to find the right mortgage
  • With applications, as we’ll take the hassle away. We require your details once and we’ll know the best lenders for your circumstance
  • Our team know the lenders that are most likely to say ‘yes’, and give you the best rates

What should I do next?

  • You enquire online with us today or request a call back
    Our simple form takes a couple of minutes to fill in, this gets the ball rolling
  • One of our experts will give you a call to find out more about your situation
    We have experts in remortgaging, who focus solely on helping customers save money
  • We do all the hard work for you
    We search the market for the trusted lender that’s right for you
  • Our expert will get back in touch
    We can guide you every step of the way, and we’ll always keep you up-to-date with progress
Meet the team

Alicia Bramley

Alicia progresses our clients’ mortgage and protection applications as efficiently & speedily as possible

Call Alicia on: 0800 197 0504