First-time buyers: How to tackle affordability challenges in 2024
Following a year of mortgage rate hikes, is 2024 going to be a better year for first-time buyers to make their move into homeownership?
Mortgages for complex income borrowers
Unlock homeownership for complex incomes with Clever Mortgages’ expert guidance.
Exiting a fixed rate early ST
You can usually leave a fixed rate mortgage early – however, lenders usually require an early repayment charge and an exit fee.
How will the interest rate rise affect my mortgage?
Interest rates have increased to the highest level since 2009 as the Bank of England tries to tackle the rising cost of living. Rates rose from 0.75% to 1%, the fourth consecutive increase since December. Inflation is rising at its fastest rate for 30 years, with fuel, energy and food costs soaring in part because […]
Top 5 reasons to take Life Insurance
No one likes to think about a time after they’ve gone, but life insurance could offer reassurance and comfort to you and your loved ones for this situation.
Behind the scenes at clever mortgages – Beth
I would like to introduce you to Beth, one of our Mortgage Case Managers to find out what it’s like to be part of our team.
Behind the scenes at clever mortgages: Sarah
I would like to introduce you to Sarah, who is one of our expert Mortgage Advisers and Beth, one of our Mortgage Case Managers to find out what it’s like to be part of our team.
Credit scores: the good, the bad and the average
There are multiple credit referencing agencies in the UK, each providing you with a report of your credit history and each coming with their own methods or scale on which to score you.
Things to consider when buying a property
There are many things to consider when buying and viewing properties to live in — such as location, price, condition, chain size. Below we will cover some of the basics. Whats in this section 1. Location and what matters the most. 2. Size of property 3. The outside space 4. Renovations and Repairs 5. Separating needs […]
Can I get a mortgage with a low credit score?
Is your credit score lower than you’d like it to be? Perhaps you’ve got a default, CCJ or IVA lingering on your credit report, and are worried that you won’t be able to get a mortgage until it’s been wiped clear?
90% Loan-to-Value mortgages starting to return to pre-pandemic levels as Lender confidence grows
Lending in 2020 was massively impacted by the COVID-19 pandemic. In April 2020, due to the lockdown, we saw the property market come to a sudden halt and lenders started to withdraw products from their lending portfolios, mainly those that required the smallest deposits. It was reported, at the time, that before the lockdown there […]
Why use a mortgage broker?
There are many reasons why it’s beneficial to use a mortgage broker – here’s a few of the main ones.
New-found freedom if you are a mortgage prisoner
Are you stuck in your mortgage and unable to switch, even though you’ve been keeping up with your repayments? You might, unfortunately, fall into the category of being a mortgage prisoner – but not for much longer. Mortgage prisoners is a term used for people who are unable to switch to a better mortgage […]
Why now is a great time to move home
Recent industry figures have shown that 1.09 million people with adverse credit scores might be looking to buy a new property in the next 12 months.
What is shared ownership
Shared ownership is a government-aided initiative to help first-time homebuyers and existing homeowners purchase a new property by helping towards the deposit.
