Review Your Mortgage 6 Months Before Your Rate Ends
Your mortgage is likely one of your biggest monthly commitments. That’s why we always recommend reviewing your deal at least six months before it finishes. This gives us time to explore your options, secure a new deal, and avoid you falling onto your lender’s higher Standard Variable Rate (SVR) which could mean paying a lot […]
How We Helped Our Client Save £16,000 a Year with a Remortgage & Debt Consolidation
At Clever Mortgages, we regularly meet clients who feel overwhelmed by rising mortgage rates and mounting debts. Recently, we helped one of our clients achieve an incredible saving of almost £16,000 per year through a carefully structured remortgage and debt consolidation. The Client’s Situation Property value: £240,000 Mortgage balance: £115,000 Additional borrowing required: £65,000 to […]
What Happens to Your Mortgage When You Divorce?
Divorce or the dissolution of a civil partnership is never easy, and when a jointly owned home is involved, things can feel even more overwhelming. At Clever Mortgages, we understand that this is not just about bricks and mortar, it’s about your future, your stability, and your family. We’re here to offer clear guidance, compassionate […]
Bridging Finance: The Fast Track to Buying, Renovating, and Releasing Equity
If you’ve ever spotted a property with huge potential but in need of work, you’ve probably also faced the same roadblock: traditional lenders won’t touch it. Maybe the kitchen’s ripped out, the wiring’s ancient, or it simply doesn’t meet lending criteria for a standard mortgage. But the opportunity is real and with a quick injection […]
Making home improvements adding 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 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 […]
Credit Repair Mortgages – What They Are and How They Can Help You Buy a Home
If your credit history isn’t perfect, you might have already been told “no” by a high-street bank. But there’s good news a credit repair mortgage could help you get on (or back onto) the property ladder while improving your credit at the same time. At Clever Mortgages and Oak Mortgages, we specialise in helping UK […]
Will AI Make Getting a Mortgage Easier?
AI is changing the mortgage world but is it for better or worse? If you’re planning to buy a home in the next five years, here’s what to expect from artificial intelligence (AI) in the mortgage process and why expert broker advice from places like Clever Mortgages still matters more than ever. Will AI […]
Buy-to-Let Mortgages
The Ultimate Guide for First-Time Landlords and Property Investors Thinking of becoming a landlord or growing your property portfolio? Whether you’re starting with your first rental property or scaling up your investments, this guide walks you through everything you need to know about Buy-to-Let (BTL) mortgages. Why Invest in Buy-to-Let? Buy-to-Let remains a popular […]
Mortgage Fraud: Innocent Mistakes That Can Cost You Your Mortgage
Applying for a mortgage can feel overwhelming, especially when you’re gathering payslips, bank statements, ID, and more. Sometimes, in an effort to “tidy up” or speed up the process, people make small changes to documents without realising the serious consequences. Here’s the truth: even what may seem like an innocent tweak can be classed as […]
How “Tier 2” Buy-to-Let Lenders Can Help You Grow Your Property Portfolio — Even If Your Finances Aren’t Perfect
Many landlords dream of building a big property portfolio that brings in steady rental income and long-term wealth. But what if your credit history isn’t spotless? Or you don’t fit the strict rules of high street banks? The good news: you still have options. This is where “Tier 2” buy-to-let lenders come in. Let’s break […]
Selling Your Property and Moving House: Everything You Need to Know
Thinking of moving house? Whether you’ve outgrown your current home, found your dream location, or are simply ready for a change, selling your property is a big step, especially if it’s your first time. Even if you were a first-time buyer when you purchased, selling brings a whole new set of questions, jargon, and moving […]
Buy for Uni Mortgages: A Smarter Way to Support Your Student and Invest in Property
As the academic year winds down and students start planning where they’ll live next year, there’s a growing opportunity in a lesser-known corner of the buy-to-let (BTL) market: Buy for Uni mortgages. This isn’t about replacing traditional student rentals — it’s a creative solution for families looking to support their child at university, while also […]
What Is a Second Charge Mortgage – And When Should You Consider One?
If you’re a homeowner looking to raise money without remortgaging your entire property, a second charge mortgage (also known as a secured loan) could be the solution you didn’t know you had. At Clever Mortgages, we regularly help clients explore second charge mortgages to free up cash, avoid hefty early repayment charges, or simply keep […]
Mortgage Declined? Don’t Panic — Here’s What to Do Next
Had your mortgage application rejected? It’s totally normal to feel gutted and frustrated, but please don’t lose hope, you’re definitely not alone. Mortgage applications get declined all the time, and it doesn’t mean you’ll never get on the property ladder. With the right advice (and the right people in your corner), there’s every chance you’ll […]