Coronavirus update from Clever Mortgages
We understand that these are worrying times, and everyone is doing their best to look after themselves, family and friends. There’s lot of uncertainty, and we appreciate people may also be wondering how the mortgage market may be affected during – and after – this pandemic. At Clever Mortgages, we’ve put measures in place to […]
Applying for a mortgage with a CCJ
Finding a mortgage can be especially difficult if you have an adverse credit score. A CCJ, IVA or defaults (any missing payments) on your credit file can put some lenders off. Although high street lenders are unlikely to consider you for a mortgage with any CCJ’s (County Court Judgements) there are still bad credit mortgage […]
Can I get 100% mortgage with 0% deposit?
Usually, lenders require at least a 5% deposit to readily provide a mortgage. A higher deposit means you’ll be eligible for more lenders and products, plus access to better rates- however, this isn’t always an option for first-time buyers in the current market. For those who can’t save up a deposit, or those who want to get onto the property ladder as soon as possible, there are other routes you can take that involve a much smaller, or no deposit.
A Beginner’s Guide to Help to Buy Mortgages (HTB)
A Beginner’s Guide to Help to Buy Mortgages (HTB) Homeownership is becoming a distant dream for a growing section of the British population. According to government data, the average age of first-time homebuyers has increased across the country, with only 27% of Brits under-35 owning their home in comparison to 65% in the 1990s. Are […]
Mortgages, even with bad credit
Poor credit ratings can be a huge barrier when trying to get a mortgage. Luckily there are brokers such as Clever Mortgages who can help you secure a bad credit mortgage when you are looking at buying a house. We have help 1000’s of customers, just like you with bad credit, achieve cheaper mortgage payments. […]
Reasons for remortgaging your home
Remortgaging is a process that most homeowners will go through at some stage in their lives, yet many don’t fully understand what it is or how it works. There are a number of reasons why you might choose to remortgage your home, whether it’s to save or raise money. What is a remortgage? Remortgaging is […]
Making home improvements which can add value to your home
With Easter just around the corner, now is a great time to start planning those home improvements you’ve been waiting to make. With our roads notoriously busy and holidays extremely pricey, the Easter break is the ideal opportunity to roll up your sleeves and get that much-needed DIY done! The best types of home improvements […]
How debt consolidation can deliver real benefits for your future
Debt consolidation benefits. It’s a way of refinancing current debts into one, more manageable, loan to suit your monthly budget and future goals.
Can you get a mortgage with debt?
Many people who are in debt automatically assume they won’t be eligible for a mortgage. This isn’t always the case and you should still have a chance to take out a mortgage if you have debts. However, if your existing or previous debt has had a negative impact on your credit rating, then it can […]
Transferring a mortgage when you move home
When moving home a big consideration will be what to do with your mortgage. Should you look at moving your existing mortgage – known as ‘porting’ – or look for a new deal? Here we consider the pros and cons of both to help you make the right mortgage decision when moving home. Porting your […]
Mortgage types explained
Mortgage types explained. Fixed Rate, Variable rate mortgage, tracker, discount. What does it all mean? We explain all you need to know.
Taking out a bad credit.mortgage
Have you been denied a mortgage because of your credit history? Do you have bad credit and wondering how to get a bad credit.mortgage? Clever Mortgages can help applying for a bad credit mortgage Finding a lender who will be willing to offer a ‘bad credit mortgage’ can sometimes be difficult. Here at Clever Mortgages […]
How the Right to Buy Scheme Can Allow You to Own Your Home
If you currently rent a council house, but would like the security of owning it yourself, then the right-to-buy scheme could help you do just that! You could join thousands of council tenants who are now enjoying owning their homes. You could do this with our help, even if you’re self-employed council tenant or have […]
How Brexit could affect mortgage rates across the UK
With the UK leaving the EU, there has been lots of speculation and uncertainty over what will happen with interest rates and how it could impact people’s mortgages. Deal or No Deal As we’re currently in a period of transition, this could mean rises or falls in interest rates; depending on how the economy performs […]
How a debt consolidation loan could reduce your monthly payments
If you have lots of payments to make every month and are struggling to afford them, then debt consolidation could be for you. It’s easily done, for example you pay for some shopping on one credit card, put the payment for your car’s MOT on another, and before you know it your monthly repayments have […]
