A mortgage solution tailored for you
We make mortgages easy. Whether you’re buying a property

, looking to remortgage or want to make home improvements, we’ll make sure we provide the right solution for you.
If you’re a landlord looking for a buy-to-let mortgage or thinking of consolidating your debt, we’ll consider all the different options and arrange the right mortgage for your requirements. We specialise in maximising opportunities for our customers.
We work closely with over 100 Lenders and can find the most suitable solution from over 1000 products. Let us take away the hassle of searching for different mortgages from different providers. We will always take your individual situation into account and use our expertise to provide a solution based on your needs.
It’s really easy to talk to us about finding a mortgage solution for you.
Speak to one of our brokers now, or fill in our simple enquiry form and we’ll go through all your mortgage options.
You can also use our calculator to work out how much you could borrow and how much your monthly payments could.
I will aim to secure you a mortgage whatever your circumstances
Jacek Musialik on 07894 685185
I have always been passionate about finance and my interested were cemented by graduating with Master’s degree in Economics. In 2012 I became fully qualified mortgage & protection adviser which allowed me to launch my career in the financial industry in the UK. I have previously worked for the citizens advice bureau which really shaped my focus on clients’ individual needs and achieving best outcomes for them; this ethos continues now I’ve entered Mortgage & Protection industry.
My knowledge is across the variety of mortgage and protection, but working for Clever Mortgages allows me to deal with some very complex lending cases and I really enjoy that challenge. I work flexibly, I am based at the office of Pridea estate agents in Lincoln and provide a free initial consultation. – Jacek-Musialik
Jacek Musialik
Mortgage & Protection Adviser
YOUR LOCAL ADVISER
For further information or to arrange an appointment,
contact me on 07894 685185 or email
jacek.musialik@clever-mortgages.co.uk
- Mortgages & remortgaging
- Poor credit mortgages
- Buy to let
- Equity release
- Commercial, bridging & development finance
- Life insurance & Income protection
- Funeral plans
- Secured loans
No obligation advice on all types of mortgages
Try our Mortgage Calculator – let’s see what you could borrow
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Clever Mortgages is now part of Oak Mortgages Limited.
Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.
👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 52 reviews Posted on Samuel Robert StewartTrustindex verifies that the original source of the review is Google. I had a fantastic experience with Oak Mortgages and couldn’t recommend them highly enough. Sarah is the best—she was professional, knowledgeable, and genuinely took the time to understand our situation. Everything was explained clearly, without jargon, which made the whole mortgage process far less stressful than I expected. Sarah was always responsive, kept us updated at every stage, and worked hard to find the best deal for me. It really felt like she had our best interests at heart rather than just trying to push a product. If you’re looking for reliable, friendly, and expert mortgage advice, Oak Mortgages—and especially Sarah—are an excellent choice.Posted on Jon SmythTrustindex verifies that the original source of the review is Google. A very easy and stress free re-mortgage thanks to Vicki and the team. We were kept well informed from start to finish. Highly recommended.Posted on Marysia ManningTrustindex verifies that the original source of the review is Google. Very smooth process and extremely helpful staff. Quick and efficientPosted on Roger BowringTrustindex verifies that the original source of the review is Google. Fantastic service and the very helpfulPosted on Martyn WatkinsTrustindex verifies that the original source of the review is Google. Very good communication.Always got back to queries promptly.Posted on Adam ParkerTrustindex verifies that the original source of the review is Google. A pleasure to deal with from beginning to end. Amazing team thank you 👏🏼Posted on Emma GibbonsTrustindex verifies that the original source of the review is Google. Sarah and the team at Oak Mortgages are excellent. They made the process of settling the help to buy/remortgaging simple and helped me every step of the way. Thank you Sarah I will definitely be a returning customer!Posted on Sarah BallaamTrustindex verifies that the original source of the review is Google. Such a fantastic service. It’s the second time I have used the team to help with my mortgage and they have been brilliant both times. I will continue to use them in the future! Would recommend to anyone.Posted on Steve RosserTrustindex verifies that the original source of the review is Google. Many thanks to Vicki for your help securing an improved rate renewal for our buy-to-let mortgage.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Below are some of the lenders we work with














