Home-Moving Checklist

Home-Moving Checklist

You’ve found your dream home, exchanged contracts and sorted your mortgage. Now all that’s left to do is move in. That’s the straightforward part, right? There are actually lots of things you might not have considered that you need to do – from finding where the fuse box is in your new home to letting your broadband supplier know that you’re moving.

Read our home-moving checklist so you’re all set for the big day

This article at a glance

  • Let important companies know you’re moving
  • Take note of gas and electric readings
  • Make sure all your household day-to-day needs covered
  • Sorting your car insurance and breakdown cover
  • Last minute home-moving checklist tasks

1. Let important companies know you’re moving

Even if you use the Post Office’s mail redirection service, it’s still a good idea to inform important companies, such as banks and utility companies directly.
Make a list of all the companies and other organisations you need to tell about your move, including their contact details and when you’d need to do it by.

Companies will include:

  • Phone company – mobile and landline
  • All utility companies – water, gas, electric
  • Banks
  • Council tax
  • Update your details on the electoral roll
  • Your work and any related pensions companies
  • Student loans company
  • Your child / children’s schools
  • Update your driver’s license when you’ve moved

2. Take meter readings

Take gas and electricity meter readings at the property you are leaving the day of the move, and let your old energy supplier know what these are as soon as you can.
Let your energy provider know in advance that you are moving and ask to close your account. You’ll need to do this at least 48 hours before your move takes place. Give your supplier your new address, so that they’re able to send you your final bill. If you’re on a fixed tariff which charges a termination fee if you leave it early, check if you’re able to take this deal to your new property and if they’ll let you off the fee if you can.

3. Household day-to-day needs to sort

Make sure you’ve considered:

Cable/ Satellite – you need to let them know your change of address for billing purposes and so they can update your contact information. It’s also worth checking whether your new home will need a new satellite dish or cable to be installed before you update this information.

Phone – for landlines, you’ll need to inform the phone company that you are changing address as you’ll receive a new phone number for the home that you move to. For your mobile update your address so that they can send the bill to the correct location and you can do that by contacting your provider over the phone or visiting one of their stores.

Broadband – it’ll probably make sense to cancel your broadband subscription as you’ll most likely be able to get a better deal when you move to your new home – there’s usually plenty of great deals out there
for new customers

TV Licence – be warned that your TV licence won’t be valid when you  move to a new property so you have to change this information on the TV Licensing website.

4. Sort your car insurance and breakdown cover

You’ll need to inform your car insurance provider about your change of address. Prices can go up and down when you move – depending on the area you’re moving to, and whether there are fewer or more claims from that postcode. You can usually change your information online.
Change your information for breakdown coverage on your provider’s website.
This is particularly important for providers who charge different rates based on area and for knowing where they may need to take you to in the event of a breakdown.
It might be a good time to shop around for both car insurance and breakdown cover, to see if you can get a better deal. Finance savvy customers tend to do this every so often as a matter of routine.

5. Your last minute home-moving checklist tasks

Around 2 weeks before moving you should:

Pack up your non-essential items
De-register from your doctors if you’re moving out of the area
Arrange for your post to be re-directed
Organise for someone to have your children and / or pets on moving day
Send out change of address cards / e-cards to friends and family
Arrange what time you’ll collect the keys for your new home from the estate agent
Set up any new standing orders or direct debits that you need sorting for your new place

I want to get a mortgage in place, 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 will get the ball rolling
  • One of our experts will give you a call back to find out more about your situation
    We have experts in bad credit mortgages, who focus solely on helping customers in difficult situations
  • We do all the hard work for you
    We search a comprehensive range of mortgages from across 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

Loan to Pay Off Debt

Loan to Pay Off Debt

In this guide we focus on a customer who wanted a loan to pay off debt, in order to complete a Debt Management Plan, whilst finding a lower rate too.
Here we’ll look at:

  • How we helped our customer with finding a loan to pay off debt
  • Getting a lower rate, and lower monthly payment in spite of having a higher
    mortgage value
  • Reducing the term of the mortgage, so that our client will be mortgage free sooner
  • Finding a far better rate for him, so he could afford to take out the extra loan to pay off debt

Getting a loan to pay off debt

With Clever Mortgages, we were able to help Mr E with:

  • Bringing down his mortgage rate – we found a mortgage with a trusted lender that significantly reduced his mortgage rate (from 5.74% to 2.10%)
  • Bringing down the mortgage term by 3 years – meaning he’ll be mortgage free three years sooner
  • Getting a loan to pay off debt – Mr E was able to clear his partner’s Debt
  • Management Plan, whilst still having the above advantages

 BalancePaymentRateTerm
Current Mortgage£88,841£6505.74%18 Years
New Mortgage£97,955£6342.10%15 Years

Completed 15/10/2018

Our client came to us whilst on a higher than average standard variable rate with their existing lender. Our expert searched to find a remortgage option that would raise the funds to clear Mr E’s partner’s Debt Management Plan, whilst also reducing the mortgage rate.
Due to such a large reduction in rate the plan (which had £9000 left to pay off) could be cleared, and we could reduce the term and the monthly payments too.

We were delighted to be able to take the hassle away from the remortgage process for Mr E: He just had to tell us some details about himself and his financial situation, and discuss the goals he had for his remortgage. Now both he and his partner are in a much better situation, and can start rebuilding a more positive credit file picture.
Debt consolidation is a good solution for some mortgage customers – however, it’s not suitable for everyone.

You should always review the total amount payable through consolidation, not just the immediate savings in terms of a reduced monthly payment.
Please be aware that any unsecured debts consolidated within the mortgage, would then be secured against your property.

Getting a loan to pay off debt

With Clever Mortgages, we were able to help Mr E with:

  • Bringing down his mortgage rate – we found a mortgage with a trusted lender that significantly reduced his mortgage rate (from 5.74% to 2.10%)
  • Bringing down the mortgage term by 3 years – meaning he’ll be mortgage free three years sooner
  • Getting a loan to pay off debt – Mr E was able to clear his partner’s Debt
    Management Plan, whilst still having the above advantages

Previous Mortgage

Balance £88,841
Payment £650
Rate 5.74%
Term 18 Years

New Mortgage

Balance £97,955
Payment £634
Rate 2.10%
Term 15 Years

Completed 15/10/2018

Our client came to us whilst on a higher than average standard variable rate with their existing lender. Our expert searched to find a remortgage option that would raise the funds to clear Mr E’s partner’s Debt Management Plan, whilst also reducing the mortgage rate.
Due to such a large reduction in rate the plan (which had £9000 left to pay off) could be cleared, and we could reduce the term and the monthly payments too.

We were delighted to be able to take the hassle away from the remortgage process for Mr E: He just had to tell us some details about himself and his financial situation, and discuss the goals he had for his remortgage. Now both he and his partner are in a much better situation, and can start rebuilding a more positive credit file picture.
Debt consolidation is a good solution for some mortgage customers – however, it’s not suitable for everyone.
You should always review the total amount payable through consolidation, not just the immediate savings in terms of a reduced monthly payment.
Please be aware that any unsecured debts consolidated within the mortgage, would then be secured against your property.

We’ve helped 1000s of customers, with finding a remortgage solution that best suits them.

We help customers achieve their remortgage goals, and we know the best lenders and products to look to for each individual situation. We could give you the best chance of getting on a great remortgage deal, even if you’re:

  • Needing a mortgage after an IVA
  • Looking to remortgage with a Debt Management Plan
  • Worried about other defaults on your credit file
  • After a bad credit self-employed mortgage

Enquire with us about getting a remortgage with bad credit, and we could:

  • Search for the right deal for you, even if you’ve got a poor credit history – many of the customers we help have found themselves in a bad credit situation, and might have been on a Debt Management Plan or in an IVA.
  • Discuss with you the different options available for meeting your specific goals – we can discuss your individual goals for remortgaging with you, and take the hassle away from the remortgage situation.
  • Make sure your application goes to the best lenders for you – not all lenders offer mortgages to people with a bad credit history, but we know which ones are most likely to say “yes”, and to give you a good rate when they do.

Why should I use a mortgage broker for my remortgage?

  • You’re likely to only have to do one application – this will save you time, and more applications from being recorded on your credit file
  • Brokers can advise on what would improve your chances for achieving a specific mortgage goal – e.g. finding a guarantor or opting for a joint mortgage
  • They can take the hassle of application forms away – talking you through every step, and asking all the right questions

What next?

If you are looking for expert advice on getting a remortgage with bad credit, contact our team today. We are experts in offering solutions to people with bad credit and can help if you need a hand with your next move.

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Paying the Mortgage After Separation

Paying the Mortgage After Separation

For some of our customers, paying the mortgage after separation is their key concern. They come to Clever Mortgages, wanting to break their financial ties with a previous partner. In this guide we’ll look at:

  • How we helped our customer with paying the mortgage after separation
  • Making sure he also realised his goal of bringing down his mortgage term – so will become mortgage free sooner
  • Why using a mortgage broker can help make remortgaging a hassle-free process

Paying the mortgage after separation:

With Clever Mortgages, we were able to help Mr H with:

  • Paying the mortgage after separation – making him financially free from his previous partner
  • Bringing down the mortgage term by 9 years – meaning he’ll be mortgage free by the time he retires
  • Consolidating his secured loan – so he only has one monthly payment to make instead of two

 BalancePaymentRateTerm
Current Mortgage£194,976£9413.99%24 Years
Current Secured Loan£26,458£2737.91%24 Years
New Mortgage£222,429£1,4201.89%15 Years

Completed 08/10/2018

Our client had a mortgage on his home with his ex-partner – he wanted to remove her name from the mortgage, and consolidate his secured loan. He had a budget of £1500 per month, which was slightly more than he was paying for the two products at the time – but for the increased payments, he wanted to reduce is mortgage / loan term significantly – so that he would be mortgage-free by the time he retired.

We were delighted to be able to take the hassle away from the remortgage process for Mr H: He just had to tell us some details about himself and his financial situation, and discuss the goals he had for his remortgage.

We found a great deal with a trusted lender, and were able to get the mortgage with him as a sole applicant, meaning he was no longer financially tied to his ex-partner. We were also able to reduce the term of the mortgage by 9 years, all whilst keeping well within his £1500 per month budget.

Paying the mortgage after separation:

With Clever Mortgages, we were able to help Mr H with:

  • Paying the mortgage after separation – making him financially free from his previous partner
  • Bringing down the mortgage term by 9 years – meaning he’ll be mortgage free by the time he retires
  • Consolidating his secured loan – so he only has one monthly payment to make instead of two

Previous Mortgage

Balance £93,360
Payment £803.00
Rate 4.99%
Term 13 Years

New Mortgage

Balance £93,360
Payment £678.56
Rate 2.14%
Term 13 Years

Completed 05/06/2019

Our client had a mortgage on his home with his ex-partner – he wanted to remove her name from the mortgage, and consolidate his secured loan. He had a budget of £1500 per month, which was slightly more than he was paying for the two products at the time – but for the increased payments, he wanted to reduce is mortgage / loan term significantly – so that he would be mortgage-free by the time he retired.

We were delighted to be able to take the hassle away from the remortgage process for Mr H: He just had to tell us some details about himself and his financial situation, and discuss the goals he had for his remortgage.
We found a great deal with a trusted lender, and were able to get the mortgage with him as a sole applicant, meaning he was no longer financially tied to his ex-partner. We were also able to reduce the term of the mortgage by 9 years, all whilst keeping well within his £1500 per month budget.

We’ve helped 1000s of customers, with paying the mortgage after a separation.

We help customers achieve their remortgage goals, and we know the best lenders and products to look to for each individual situation. We could give you the best chance of getting on a great remortgage deal, even if you’re:

  • Needing a mortgage after an IVA
  • Looking to remortgage with a debt management plan
  • Worried about other defaults on your credit file
  • After a bad credit self-employed mortgage

Enquire with us about getting a remortgage with bad credit, and we could:

  • Search for the right deal for you, even if you’ve got a poor credit history – many of the customers we help have found themselves in a bad credit situation, and might have been on a Debt Management Plan or in an IVA.
  • Discuss with you the different options available for meeting your specific goals – we can discuss your individual goals for remortgaging with you, and take the hassle away from the remortgage situation.
  • Make sure your application goes to the best lenders for you – not all lenders offer mortgages to people with a bad credit history, but we know which ones are most likely to say “yes”, and to give you a good rate when they do.

Why should I use a mortgage broker for my remortgage?

  • You’re likely to only have to do one application – this will save you time, and more applications from being recorded on your credit file
  • Brokers can advise on what would improve your chances for achieving a specific mortgage goal – e.g. finding a guarantor or opting for a joint mortgage
  • They can take the hassle of application forms away – talking you through every step, and asking all the right questions

What next?

If you are looking for expert advice on getting a remortgage with bad credit, contact our team today. We are experts in offering solutions to people with bad credit and can help if you need a hand with your next move.

Debt Consolidation Remortgages

Debt Consolidation Remortgages

If you’ve got a mortgage and other debts too, consolidating them into a new mortgage product can be a great way of making a significant saving every month. Here we’ll cover:

  • How we helped our customer get a debt consolidation remortgage deal
  • Even with bad credit, you could get a remortgage plan that’d save you on
    repayments each month
  • Why it’s best to go through a mortgage broker when you’ve got bad credit

How we helped by finding a mortgage with bad credit:

With Clever Mortgages, Mr and Mrs C were able to:

  • Get a debt consolidation remortgage, even with a poor credit history
  • Secure a fixed rate of 2.10%
  • Save almost £500 each month on mortgage and debt repayments

 BalancePaymentRateTerm
Current Mortgage£61,000£4901.25%12 Years
Current Secured Loan£43,000£43610%12 Years
Unsecured debts£44,320£657VariousVarious
New Mortgage£150,00£1097.672.10%13 Years

Completed 17/06/2019

Mr H had been in an IVA, which he’d now completed, and Mrs H was currently 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.
At Clever Mortgages we were pleased to be able to help them, and we secured them a new mortgage which is now saving them a significant £485 every month! This is making a real difference to their lives, and helping them get back on track, improving their credit score.

How we helped by finding a mortgage with bad credit:

With Clever Mortgages, Mr and Mrs C were able to:

  • Get a debt consolidation remortgage, even with a poor credit history
  • Secure a fixed rate of 2.10%
  • Save almost £500 each month on mortgage and debt repayments

Previous Mortgage

Balance £61,000
Payment £490
Rate 1.25%
Term 12 Years

Current Secured Loan

Balance £43,000
Payment £436
Rate 10%
Term 12 Years

Unsecured debts

Balance £44,320
Payment £657
Rate Various
Term Various

New Mortgage

Balance £150,00
Payment £1097.67
Rate 2.10%
Term 13 Years

Completed 17/06/2019

Mr H had been in an IVA, which he’d now completed, and Mrs H was currently 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.
At Clever Mortgages we were pleased to be able to help them, and we secured them a new mortgage which is now saving them a significant £485 every month! This is making a real difference to their lives, and helping them get back on track, improving their credit score.

If you’ve got bad credit, we still might be able to help

If you or your partner have a history of bad credit, for instance if you’ve been in an IVA or DMP (Debt Management Plan), you might be concerned that you won’t be able to get a great deal.

We help customers, even when they have bad credit, to consolidate their debts, sometimes saving them hundreds of pounds every month.

Why use Clever Mortgages?

We know the best lenders and products to look to for each individual situation. We could give you the best chance of getting a great consolidation mortgage deal. We can help, even if you:

  • Want to consolidate all of your debts, and just make one monthly repayment
  • Need to find mortgage lenders that accept CCJs (County Court Judgments)
  • Want to find the best mortgage lenders for your bad credit situation

Enquire with us about getting a mortgage to consolidate your debts, and we could:

  • Search for the right deal for you, even if you’ve got a poor credit history – many of the customers we help have found themselves in a bad credit situation, and might have been on a Debt Management Plan or in an IVA.
  • Discuss with you the different options available – for instance, you might not have considered using a guarantor or applying for a joint mortgage, we can discuss what might give you the best chance of getting a mortgage on a better rate.
  • Make sure your application goes to the best lenders for you – not all lenders offer mortgages to people with a bad credit history, but we know which ones are most likely to say “yes”, and to give you a good rate when they do.

Why should I use a mortgage broker for my debt consolidation mortgage?

  • Some mortgages for people with bad credit are only available if you go through a mortgage broker – we know the mortgage lenders who accept defaults and other bad credit situations
  • You’re likely to only have to do one application – this will save you time, and more applications from being recorded on your credit file
  • Brokers can advise on what would improve your chances – e.g. finding a guarantor or opting for a joint mortgage
  • They can take the hassle of application forms away – talking you through every step, and asking all the right questions

Debt consolidation can be a good solution for some mortgage customers – however, it’s not suitable for everyone.

What next?

If you are looking for expert advice on getting a mortgage to consolidate your debts, contact our team today. We are experts in offering solutions to people with bad credit and can help if you need a hand with your next move.

Tips to Get You Moving House By Christmas

Tips to Get You Moving House By Christmas

Want to ring in the new year in your dream new home? If so, you need to get organised now! This article offers some simple tips for how to get you moved in time for the festivities.

This article at a glance

  • How to get your current property ready to sell – fast!
  • Get packing sooner than you think – and sort out a capsule wardrobe
  • Plan for your pets
  • Research removal companies carefully

Get your house ready to sell

If you’ve got a house you need to sell in a hurry, taking a few measures to make it more appealing can make all the difference, and get those offers flooding in.

Start by depersonalising your house, this includes packing up your personal photographs, family heirlooms, and other objects and clutter that might distract potential buyers and could damage a possible sale. You want to present buyers with an impersonal, clean environment so they can imagine the home with their own photographs, furniture, and art objects.

Decluttering is a must too. People tend to collect an amazing quantity of items over time. Especially for clothes, if you haven’t used them in over a year, you probably don’t need them.

Make any minor repairs too – as leaving them might insinuate that there are larger problems to be found. Replace or fix any cracked tiles and make sure all lights are working properly, as chances are potential buyers will be switching the lights on when looking around thoroughly – and especially as the nights start drawing in.

Do now:

  • Make your house shine – even if this means getting in a professional cleaning crew. This can seem like an additional expense, but can make an enormous difference to how potential buyers feel about your home
  • Check out your curb appeal – a potential sale can be lost quickly if a buyer doesn’t even want to get out their car, because the exterior of your home turns them off
  • Be objective – go into each room of your home and try and view it as a potential buyer would. Take note of how the furniture is arranged, and try some simple rearrangements to see if you can improve on visual appeal

Get Packing and Create a Capsule Wardrobe

This is a really useful tip and should be done for every member of the family. A capsule wardrobe is a carefully curated selection of clothing and accessories that are streamlined and easy to create outfits using.

Instead of keeping your entire wardrobe unpacked, only keep 10-20 pieces of clothing – covering all likely weather scenarios. You can just rotate between these pieces and pack away the rest. And while you’re at it, if there’s anything you don’t want to keep, moving is the ideal time for a clear out, do this now and you’ll be leaving yourself time to sell, donate or give things away.

Do now:

  • Begin taking items to charity that you no longer want or need
  • Get some plastic under-the-bed storage boxes, these are great for storing clothes seamlessly away when you’re not yet ready to have boxes everywhere!
  • Start boxing up summer clothes that you won’t need between now and your move

Plan for your pets

Pets can get frightened and confused in the lead up to a move, and especially on the day itself. Consider sending them to a relative or friend for a few days, until the house is in order. And cats will need keeping in for a few weeks so that they don’t try and run back to their old house, or simply get lost.

Do now:

  • Ask friends / relatives who you’d trust with your pets whether they’d be happy to have them when you move
  • Start reading up on the best ways to make the transition as easy as possible for your furry friends – you’ll find lots of expert help online, for instance, Bluecross have helpful practical tips for moving with a dog

Research removal companies carefully

Moving house without the help of a removal company might save you money, but it will almost certainly cost you more on the stress front. If you decide to do the packing yourself (most removal companies offer packing up  as an additional service),  it’s best to start at least two weeks before your moving date to start boxing up.

Write the contents and room on each box, as this will help organise your unpacking the other end easier.  A reputable removals company will be able to supply you with purpose-built boxes and packing materials, and offer various packing options to suit you too.

Do now:

  • Start researching removals companies in your area – asking a local social media group online can be a fast way to get recommendations
  • Also, ask friends / family who’ve moved in the last year or two if they have a company they’d recommend
  • There’s no harm in getting quotes as early as possible – a good removals company will do these for free with no obligation

I want to get a mortgage in place, what should I do next?

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 will get the ball rolling
  • One of our experts will give you a call back to find out more about your situation
    We have experts in bad credit mortgages, who focus solely on helping customers in difficult situations
  • We do all the hard work for you
    We search a comprehensive range of mortgages from across 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

Mortgages For People With Bad Credit

Mortgages For People With Bad Credit

If you’ve had an IVA, you might be concerned that you won’t be able to get a remortgage product – especially one that’ll actually reduce your monthly repayments. In this guide we’ll look at:

  • How we helped our customer to get a new mortgage with the same lender
  • Ways Clever Mortgages could help you find a mortgage with poor credit
  • Why use a mortgage broker to help you find a lender who’ll lend to customers with bad credit

How we helped by finding a mortgage with bad credit:

With Clever Mortgages, we were able to help Mr and Mrs T

  • Get a mortgage, even with a poor credit history
  • Secure a lower rate than their current mortgage
  • Bring down their monthly repayments, to help them get back on track

 BalancePaymentRateTerm
Current Mortgage£93,360£803.004.99%13 Years
New Mortgage£93,360£678.562.14%13 Years

Completed 05/06/2019

Our client had been in an IVA, which was completed by the time they came to enquire with us. Their main goal for the remortgage was to bring down their monthly repayments, which was more important to them than reducing the term. Our broker searched and found that the best deal for them was with their current lender – making it easier still to switch.
We were delighted to be able to take the hassle away from the remortgage process for them, and to secure this remortgage deal. We found a great deal, reducing their rate from 4.99% to 2.14%, bringing their monthly repayment down from £803 to £678.56 – meaning they save over £120 every month – over £1450 a year.

It’s true that getting a mortgage with a default can mean your options are more limited – but we can help to find the right remortgage deal for you, that could make a big difference to your monthly outgoings.

How we helped by finding a mortgage with bad credit:

With Clever Mortgages, we were able to help Mr and Mrs T

  • Get a mortgage, even with a poor credit history
  • Secure a lower rate than their current mortgage
  • Bring down their monthly repayments, to help them get back on track

Previous Mortgage

Balance £194,976
Payment £941
Rate 3.99%
Term 24 Years

Current Secured Loan

Balance £26,458
Payment £273
Rate 7.91%
Term 24 Years

New Mortgage

Balance £222,429
Payment £1,420
Rate 1.89%
Term 15 Years

Completed 08/10/2018

Our client had a mortgage on his home with his ex-partner – he wanted to remove her name from the mortgage, and consolidate his secured loan. He had a budget of £1500 per month, which was slightly more than he was paying for the two products at the time – but for the increased payments, he wanted to reduce is mortgage / loan term significantly – so that he would be mortgage-free by the time he retired.

We were delighted to be able to take the hassle away from the remortgage process for Mr H: He just had to tell us some details about himself and his financial situation, and discuss the goals he had for his remortgage.
We found a great deal with a trusted lender, and were able to get the mortgage with him as a sole applicant, meaning he was no longer financially tied to his ex-partner. We were also able to reduce the term of the mortgage by 9 years, all whilst keeping well within his £1500 per month budget.

We’ve helped 1000s of customers, just like you with bad credit, to get on the property ladder.

We help customers with bad credit every day, and we know the best lenders and products to look to for each individual situation. We could give you the best chance of getting on a great remortgage deal, even if you’re:

  • Needing a mortgage after an IVA
  • Looking to remortgage with a debt management plan
  • Worried about other defaults on your credit file
  • After a bad credit self-employed mortgage

Enquire with us about getting a remortgage with bad credit, and we could:

  • Search for the right deal for you, even if you’ve got a poor credit history – many of
    the customers we help have found themselves in a bad credit situation, and might
    have been on a Debt Management Plan or in an IVA.
  • Discuss with you the different options available – for instance, you might not have considered using a guarantor or applying for a joint mortgage, we can discuss what might give you the best chance of getting a mortgage on a better rate.
  • Make sure your application goes to the best lenders for you – not all lenders offer mortgages to people with a bad credit history, but we know which ones are most likely to say “yes”, and to give you a good rate when they do.

Why should I use a mortgage broker for my remortgage?

  • Some remortgages for people with bad credit are only available if you go through a mortgage broker – we know the mortgage lenders who accept defaults
  • You’re likely to only have to do one application – this will save you time, and more applications from being recorded on your credit file
  • Brokers can advise on what would improve your chances – e.g. finding a guarantor or opting for a joint mortgage
  • They can take the hassle of application forms away – talking you through every step, and asking all the right questions

What next?

If you are looking for expert advice on getting a remortgage with bad credit, contact our team today. We are experts in offering solutions to people with bad credit and can help if you need a hand with your next move.

Can I Get A Mortgage With Bad Credit?

Can I Get A Mortgage With Bad Credit?

If you’re worried about getting a mortgage with bad credit, rest assured we help customers
every day just like you. Here we’ll cover:

  • How we helped a customer who’d had an IVA to get a mortgage and get on the property ladder
  • How we could help, by knowing which mortgage lenders accept bad credit applications
  • Why it’s best to go through a mortgage broker when you’ve got bad credit

Can you get a mortgage with bad credit? We help customers do just that.
With Clever Mortgages, Mr D was able to:

  • Get a mortgage, even with a poor credit history
  • Secure a fixed rate of 2.99%
  • Find a 95% mortgage

 BalancePaymentRateTerm
New Mortgage113,050584.912.9922 Years

Completed 09/07/2019

Our client had been in an IVA, which started in January 2011 and was cleared in January 2017. Since the IVA, he’d managed to save money for a deposit towards a house purchase.
In the meantime he was renting, and paying £425 a month to his landlord.

A bad credit mortgage, with just a 5% deposit

We were delighted to be able to help him take that important step onto the property ladder, and get back on track. His deposit was only small, but we found a great deal on a 95% mortgage, at a very competitive rate for this level of 2.99%. This is a fixed rate for 2 years, after which we’ll be able to look at even better deals once he’s had that period to build some equity in the property.

Why should I use a mortgage broker?

  • Some mortgages for people with bad credit are only available if you go through a mortgage broker – we know the mortgage lenders who accept defaults
  • You’re likely to only have to do one application – this will save you time, and more applications from being recorded on your credit file
  • Brokers can advise on what would improve your chances – e.g. finding a guarantor or opting for a joint mortgage
  • They can take the hassle of application forms away – talking you through every step, and asking all the right questions

Getting on the property ladder might be possible, even with bad credit

If you’re wanting to know if you can get a mortgage with bad credit and if you’re currently in rented accommodation, you might be feeling keen to get on the property ladder, and start paying off your own mortgage every month, instead of someone else’s. But you might be worried that lenders won’t consider lending to you.

We’ve helped 1000s of customers, just like you with bad credit, to get on the property ladder.

When you apply for a mortgage, the lender will assess your application according to their criteria. Lenders all have their own guidelines, so there are often things that’d cause your application to be declined by one, but not by another. We help customers with bad credit every day, and we know the best lenders and products to look to for each individual situation.

Enquire with us about a mortgage with bad credit, and we could:

  • Try to find the right deal for you, even if you’ve got a poor credit history – many of the customers we help have found themselves in a bad credit situation, and might have been on a Debt Management Plan or in an IVA. We take great pride in helping customers when we can, to get a mortgage and get back on track financially.
  • Discuss with you the different options available – for instance, you might not have considered using a guarantor or applying for a joint mortgage, we can discuss what might give you the best chance of getting a mortgage on a better rate.
  • Make sure your application goes to the best lenders for you – not all lenders offer mortgages to people with a bad credit history, but we know which ones are most likely to say “yes”, and to give you a good rate when they do.

What next?

If you are looking for expert advice on getting a mortgage with bad credit, contact our team today. We will be happy to help advise you on what you can do to give you a good chance at taking that important step onto the property ladder.
We are experts in offering solutions to people with bad credit and can help if you need a hand with your next move.

Can I get a Mortgage after an IVA – See if we can help you?

Can I get a Mortgage after an IVA

Can I get a Mortgage after an IVA – If you’ve got a mortgage currently, but are on a high rate – whatever your credit history, you should consider getting some advice on switching. Consolidating other debts into a new mortgage, and moving to a better rate, can be a great way of making a significant saving every month. Here we’ll cover:

  • How we helped our customer, who’d recently completed an IVA, get a mortgage with a better rate
  • Even with bad credit, and with current debts still to pay off, you could get a remortgage plan that’d save you on repayments each month
  • The advantages of using an expert broker like Clever Mortgages, particularly if you’ve got a less than perfect credit history

Our customers asked us “Can I get a Mortgage after an IVA?”

With Clever Mortgages, Mr and Mrs P were able to:

  • Get a debt consolidation remortgage, even though Mr P had just come out of an IVA
  • Secure a fixed rate of 2.23% with a trusted lender
  • Give them an overall saving each month of £695

 BalancePaymentRateTerm
Previous mortgage£185,235£1,4895.03%14 Years
Secured Loan £15,500£520VariousVarious
New Mortgage£200,825£1313.702.23%15 Years

Completed 31/07/19

Mr P had been in an IVA, which he’d now completed, and Mrs P was currently paying off a secured loan. Their aim was to consolidate the secured loan with a new mortgage product, and to get off the higher rate mortgage that they’d been on for some time. Predominantly, they wanted to bring down their monthly payments.

At Clever Mortgages we were pleased to be able to help them, and we secured them a new mortgage which is now saving them a significant £695 every month! By switching lenders and consolidating debts, we were able to find them a mortgage deal with a saving that’s now making a big difference to their lives, and helping them get back on track to improving their credit score. Arrange a call from one of our expert advisors today.

Our customers asked us “Can I get a Mortgage after an IVA?”

With Clever Mortgages, Mr and Mrs P were able to:

  • Get a debt consolidation remortgage, even though Mr P had just come out of an IVA
  • Secure a fixed rate of 2.23% with a trusted lender
  • Give them an overall saving each month of £695

Previous Mortgage

Balance £185,235
Payment £1,489
Rate 5.03%
Term 14 Years

Previous Secured Loan

Balance £15,500
Payment £520
Rate Various
Term Various

New Mortgage

Balance £200,825
Payment £1313.70
Rate 2.23%
Term 15 Years

Completed 31/07/19

Mr P had been in an IVA, which he’d now completed, and Mrs P was currently paying off a secured loan. Their aim was to consolidate the secured loan with a new mortgage product, and to get off the higher rate mortgage that they’d been on for some time. Predominantly, they wanted to bring down their monthly payments.

At Clever Mortgages we were pleased to be able to help them, and we secured them a new mortgage which is now saving them a significant £695 every month! By switching lenders and consolidating debts, we were able to find them a mortgage deal with a saving that’s now making a big difference to their lives, and helping them get back on track to improving their credit score. Arrange a call from one of our expert advisors today.

We might be able to help find you a mortgage after an IVA even if you’ve had bad credit

If you or your partner have a history of bad credit, for instance if you’ve been in an IVA or DMP (Debt Management Plan), you might be concerned that you won’t be able to get a great deal.

We help customers, even when they have bad credit, to consolidate their debts, sometimes saving them hundreds of pounds every month.

Why use Clever Mortgages?

We know the best lenders and products to look to for each individual situation. We could give you the best chance of getting a great consolidation mortgage deal. We can help, even if you:

  • Want to consolidate all of your debts, and just make one monthly repayment

Enquire with us about getting a mortgage to consolidate your debts, and we could:

  • Search for the right deal for you, even if you’ve got a poor credit history – many of the customers we help have found themselves in a bad credit situation, and might have been on a Debt Management Plan or in an IVA.
  • Discuss with you the different options available – for instance, you might not have considered using a guarantor or applying for a joint mortgage, we can discuss what might give you the best chance of getting a mortgage on a better rate.
  • Make sure your application goes to the best lenders for you – not all lenders offer mortgages to people with a bad credit history, but we know which ones are most likely to say “yes”, and to give you a good rate when they do.

Why should I use a mortgage broker for my debt consolidation mortgage?

  • Some mortgages for people with bad credit are only available if you go through a mortgage broker – we know the mortgage lenders who accept defaults and other bad credit situations
  • You’re likely to only have to do one application – this will save you time, and more applications from being recorded on your credit file
  • Brokers can advise on what would improve your chances – e.g. finding a guarantor or opting for a joint mortgage
  • They can take the hassle of application forms away – talking you through every step, and asking all the right questions

Debt consolidation can be a good solution for some mortgage customers – however, it’s not suitable for everyone.

What next?

Speak to one of our expert advisors on getting a mortgage to consolidate your debts, contact our team today. We are experts in offering solutions to people with bad credit and can help if you need a hand with your next move.

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