ADVERSE BROKER WINNER
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 88 reviews
Posted on Google![]()
Zin AmeurTrustindex verifies that the original source of the review is Google.
Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.Posted on Google![]()
Major TomTrustindex verifies that the original source of the review is Google.
Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.Posted on Google![]()
AlexTrustindex verifies that the original source of the review is Google.
⭐⭐⭐⭐⭐ Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none. Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward. With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get. I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio. Highly recommended!Posted on Google![]()
sunday ifenkweTrustindex verifies that the original source of the review is Google.
They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly. I am happy I used their services. I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.Posted on Google![]()
Ifenkwe GraceTrustindex verifies that the original source of the review is Google.
Well so far the experience with you guys has been pretty greatPosted on Google![]()
Hannah VivianTrustindex verifies that the original source of the review is Google.
Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank youPosted on Google![]()
Stephen DowdingTrustindex verifies that the original source of the review is Google.
My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.Posted on Google![]()
G STrustindex verifies that the original source of the review is Google.
From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through. Sarah and her team were brilliant. They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage. We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care. A top class act - 5 ⭐️⭐️⭐️⭐️⭐️Posted on Google![]()
DOBO and the FoodiesTrustindex verifies that the original source of the review is Google.
Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommendPosted on Google![]()
Caoimhe ClarkeTrustindex verifies that the original source of the review is Google.
Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.Verified by TrustindexTrustindex verified that these reviews were published on Oak Mortgages Ltd's Google Business Profile. Learn more
Need a mortgage but have bad credit? We could help.
Even After A CCJ, Default, Missed Payment, declined a mortgage, DMP, IVA Or Bankruptcy.
Finding a mortgage when you have bad credit can feel impossible but it doesn’t have to be. Whether you’ve been declined for a mortgage, had a Debt Management Plan (DMP), IVA, or even bankruptcy, there are still lenders who may say yes.
At Clever Mortgages, we specialise in helping people with poor credit histories secure mortgages, whether you’re buying your first home, remortgaging, or looking to consolidate debts. Our expert advisers understand the challenges of bad credit and work with a wide range of specialist lenders who look beyond your credit score.
We’ll review your situation, explain your options clearly, and help you find a mortgage deal that suits your needs even if you thought it wasn’t possible.
✅ Mortgages available after:
CCJs (County Court Judgments)
Defaults
Late or missed payments
Declined mortgage applications
IVAs and DMPs
Bankruptcy or discharged bankruptcy
💬 Talk to our bad credit mortgage specialists today — and take the first step toward owning your home or getting a better mortgage deal.
We’ve helped 1000s of customers with bad credit to achieve cheaper mortgage payments
Click below to get a callback from one of our bad credit mortgage specialists
Bad Credit Mortgage
Remortgage with bad credit
Low credit score
Mortgage with an IVA
Mortgage in a DMP
Mortgage with CCJ
Adverse Credit Mortgage
Mortgage after Bankruptcy
Declined a Mortgage
Below are some of the lenders we work with















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 88 reviews
Posted on Google![]()
Zin AmeurTrustindex verifies that the original source of the review is Google.
Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.Posted on Google![]()
Major TomTrustindex verifies that the original source of the review is Google.
Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.Posted on Google![]()
AlexTrustindex verifies that the original source of the review is Google.
⭐⭐⭐⭐⭐ Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none. Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward. With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get. I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio. Highly recommended!Posted on Google![]()
sunday ifenkweTrustindex verifies that the original source of the review is Google.
They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly. I am happy I used their services. I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.Posted on Google![]()
Ifenkwe GraceTrustindex verifies that the original source of the review is Google.
Well so far the experience with you guys has been pretty greatPosted on Google![]()
Hannah VivianTrustindex verifies that the original source of the review is Google.
Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank youPosted on Google![]()
Stephen DowdingTrustindex verifies that the original source of the review is Google.
My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.Posted on Google![]()
G STrustindex verifies that the original source of the review is Google.
From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through. Sarah and her team were brilliant. They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage. We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care. A top class act - 5 ⭐️⭐️⭐️⭐️⭐️Posted on Google![]()
DOBO and the FoodiesTrustindex verifies that the original source of the review is Google.
Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommendPosted on Google![]()
Caoimhe ClarkeTrustindex verifies that the original source of the review is Google.
Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.Verified by TrustindexTrustindex verified that these reviews were published on Oak Mortgages Ltd's Google Business Profile. Learn more