Mortgage guides and advice
NHS Waiting Lists: Why Critical Illness Cover Can Give You Financial Breathing Space.
The NHS is one of the UK’s greatest institutions but it’s under more pressure than ever. As of June 2025, around 6.23 million people in
Red Flags on Your Bank Statements That Could Cost You a Mortgage
When you apply for a mortgage, most people focus on their credit score but your bank statements tell lenders just as much (if not more)
Can You Get a Mortgage If You’ve Been in an IVA?
If you’ve been in an Individual Voluntary Arrangement (IVA) and are thinking about buying a home or remortgaging, the good news is it’s possible. With
Remortgaging to Pay Off Your IVA: What You Need to Know
If you’re a UK homeowner currently in an Individual Voluntary Arrangement (IVA), you may feel tied down by the 5–6 year repayment term. The good
Specialist Mortgages Explained: What They Are, Who They’re For, and How They Work
When it comes to mortgages, not everyone fits into the “standard” tick-box criteria that many high street lenders use. That’s where specialist mortgages come in,
Review Your Mortgage 6 Months Before Your Rate Ends
Your mortgage is likely one of your biggest monthly commitments. That’s why we always recommend reviewing your deal at least six months before it finishes.
How We Helped Our Client Save £16,000 a Year with a Remortgage & Debt Consolidation
At Clever Mortgages, we regularly meet clients who feel overwhelmed by rising mortgage rates and mounting debts. Recently, we helped one of our clients achieve
What Happens to Your Mortgage When You Divorce?
Divorce or the dissolution of a civil partnership is never easy, and when a jointly owned home is involved, things can feel even more overwhelming.
Bridging Finance: The Fast Track to Buying, Renovating, and Releasing Equity
If you’ve ever spotted a property with huge potential but in need of work, you’ve probably also faced the same roadblock: traditional lenders won’t touch
Making home improvements adding value to your home
With Easter just around the corner, now is a great time to start planning those home improvements you’ve been waiting to make. With our roads
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
Credit Repair Mortgages – What They Are and How They Can Help You Buy a Home
If your credit history isn’t perfect, you might have already been told “no” by a high-street bank. But there’s good news a credit repair mortgage