Mortgage and remortgage specialists
Even if you have bad credit


ADVERSE BROKER WINNER
- We specialise in
- Bad Credit
- CCJ Mortgage
- Bankruptcy Mortgage
- IVA Mortgage
- DMP Mortgage
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.oakmortgage.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 33 reviews Posted on Trish Wright2025-09-23Trustindex verifies that the original source of the review is Google. Extremely helpful team. From start to finish they supported us through a complex remortgage process. Nothing was ever too much trouble. They were professional and reassuring throughout. Thank youPosted on Laura Jones2025-09-01Trustindex verifies that the original source of the review is Google. First class service from a top draw company. Our mortgage advisor Sarah is incredible and we wouldn’t want to deal with anyone else. Thank you for all of your hard work and efforts, we really appreciate it.Posted on Luke Pick2025-09-01Trustindex verifies that the original source of the review is Google. Fantastic start to finish, what a lovely team to communicate with who truly care about finding you the best deal. They kept in touch, they offered support and ear to moan to but always kept things positive and moving forward.Posted on Millie Ward2025-08-28Trustindex verifies that the original source of the review is Google. We had such amazing support through out the whole process of buying a house. They really took their time explaining things we didn’t quite understand and went through everything throughly. We want to thank Sarah, Ashley and Ashleigh as they gave us constant support and always replied fast to our enquiries. They made a stressful time a smoother process.Posted on James McDonnell2025-08-18Trustindex verifies that the original source of the review is Google. New experience as first time buyers but Sarah and her team were extremely efficient and allowed our constant bombardment of questions to be met with happy answers. House purchasing is stressful and for ourselves it was very confusing but they provided us with reassurances and managed our expectations throughout the process. Thanks again team for helping us with our first house purchase on a home we never thought we could achieve.Posted on Helen Wyllie2025-08-07Trustindex verifies that the original source of the review is Google. Excellent service from start to finish. All staff were so helpful and efficient. I remortgaged following my divorce and was guided through every step. Most highly recommended. Thank you so much.Posted on John Zhou2025-08-05Trustindex verifies that the original source of the review is Google. We were lucky enough to find Sarah and Chris at Oak Mortgage. Our mortgage was refused by our current mortgage lender Halifax, just a few weeks before completion due to one of us being self-employed. We were then turned down again by other time-wasting agents. The situation quickly became a nightmare — not just for us, but also for our seller and buyer. Most mortgage advisors weren’t willing to invest the time, as many prefer straightforward cases, even though both of our credit scores were above 600/700. But Chris and Sarah truly demonstrated what British professionalism should look like: they were attentive listeners, patient, and highly professional throughout. Thanks to their support, our case was completed smoothly within a few weeks. Although it slightly delayed our original plan, we successfully completed in the end. We would definitely and highly recommend Sarah and her team — well done and thank you!Posted on Bethan Price2025-07-25Trustindex verifies that the original source of the review is Google. Outstanding Service from Sarah Tinkler at Oak Mortgages I can't recommend Oak Mortgages enough, especially Sarah Tinkler, who has been absolutely amazing throughout the entire process. She was incredibly knowledgeable, supportive, and always quick to respond to any questions I had. Nothing was ever too much trouble, and she made what could have been a stressful process feel smooth and straightforward. Thank you so much, Sarah 🙂 BethanPosted on Edmund Fry2025-07-09Trustindex verifies that the original source of the review is Google. Claire made the process simple and helped explain all our options. Would highly recommend.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
Complete the form below and one of our specialist mortgage advisors will call you back at your arranged time.
Or call us now on 0330 232 0285
Keep me up to date with the latest info on rates, products and services we think you might be interested in
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
- Offering the best support
- Not every case is the same
- Access To Exclusive Rates
- Excellent Reviews
We specialise in helping people find a mortgage and remortgage, even with a low credit score. We will assess an individual’s situation, and finding the right mortgage solution for them. We can help!
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 – Our simple form takes a couple of minutes to fill in, this gets the ball rolling
Speak to one of our mortgage experts – We do all the hard work for you, we search the market for the trusted lender that’s right for you
We can guide you every step of the way, and we’ll always keep you up-to-date with progress
See if you pre qualify for a mortgage
Enquire about a mortgage with our pre qualify affordability form. No imprint on your credit score
Speak to a mortgage broker now
There is so much jargon when it comes to mortgages.
Our mortgage advisors are experienced in all types of mortgages and can explain everything to you in a simple and easy to understand manner. We will also do the mortgage application for you! For a free no obligation phone call to discuss your situation, call 0330 232 0285 or complete the pre qualify
- Valuable knowledge, through years of experience helping customers
- Bad credit / poor credit experts
- Find the right mortgage first time
- Some mortgages are only available through a broker
- Help with the application process
- Advice on all options available, such as help to buy, guarantor or shared ownership
- Read more on what a mortgage broker does for you
Helen Warren
Mortgage advisor
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.
How do I decide on the best route?
It is important before making a decision to consider the benefits and costs of each mortgage product. Clever mortgages take the time to understand your requirements and future plans to ensure you receive best advice tailored to your needs.
Complete the callback form and one of our experienced brokers will call you for a FREE no obligation chat
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.oakmortgage.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 33 reviews Posted on Trish Wright2025-09-23Trustindex verifies that the original source of the review is Google. Extremely helpful team. From start to finish they supported us through a complex remortgage process. Nothing was ever too much trouble. They were professional and reassuring throughout. Thank youPosted on Laura Jones2025-09-01Trustindex verifies that the original source of the review is Google. First class service from a top draw company. Our mortgage advisor Sarah is incredible and we wouldn’t want to deal with anyone else. Thank you for all of your hard work and efforts, we really appreciate it.Posted on Luke Pick2025-09-01Trustindex verifies that the original source of the review is Google. Fantastic start to finish, what a lovely team to communicate with who truly care about finding you the best deal. They kept in touch, they offered support and ear to moan to but always kept things positive and moving forward.Posted on Millie Ward2025-08-28Trustindex verifies that the original source of the review is Google. We had such amazing support through out the whole process of buying a house. They really took their time explaining things we didn’t quite understand and went through everything throughly. We want to thank Sarah, Ashley and Ashleigh as they gave us constant support and always replied fast to our enquiries. They made a stressful time a smoother process.Posted on James McDonnell2025-08-18Trustindex verifies that the original source of the review is Google. New experience as first time buyers but Sarah and her team were extremely efficient and allowed our constant bombardment of questions to be met with happy answers. House purchasing is stressful and for ourselves it was very confusing but they provided us with reassurances and managed our expectations throughout the process. Thanks again team for helping us with our first house purchase on a home we never thought we could achieve.Posted on Helen Wyllie2025-08-07Trustindex verifies that the original source of the review is Google. Excellent service from start to finish. All staff were so helpful and efficient. I remortgaged following my divorce and was guided through every step. Most highly recommended. Thank you so much.Posted on John Zhou2025-08-05Trustindex verifies that the original source of the review is Google. We were lucky enough to find Sarah and Chris at Oak Mortgage. Our mortgage was refused by our current mortgage lender Halifax, just a few weeks before completion due to one of us being self-employed. We were then turned down again by other time-wasting agents. The situation quickly became a nightmare — not just for us, but also for our seller and buyer. Most mortgage advisors weren’t willing to invest the time, as many prefer straightforward cases, even though both of our credit scores were above 600/700. But Chris and Sarah truly demonstrated what British professionalism should look like: they were attentive listeners, patient, and highly professional throughout. Thanks to their support, our case was completed smoothly within a few weeks. Although it slightly delayed our original plan, we successfully completed in the end. We would definitely and highly recommend Sarah and her team — well done and thank you!Posted on Bethan Price2025-07-25Trustindex verifies that the original source of the review is Google. Outstanding Service from Sarah Tinkler at Oak Mortgages I can't recommend Oak Mortgages enough, especially Sarah Tinkler, who has been absolutely amazing throughout the entire process. She was incredibly knowledgeable, supportive, and always quick to respond to any questions I had. Nothing was ever too much trouble, and she made what could have been a stressful process feel smooth and straightforward. Thank you so much, Sarah 🙂 BethanPosted on Edmund Fry2025-07-09Trustindex verifies that the original source of the review is Google. Claire made the process simple and helped explain all our options. Would highly recommend.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
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.
Excellent Reviews
We’re proud of our long-standing 5 Star Rating on Trustpilot, and love all the positive feedback we get from customers every day. We feel privileged to help people get a great deal with far less stress.