Can You Consolidate Debts Into Your Mortgage?
The Pros, Cons and What Lenders Are Looking For Managing rising credit card balances, car finance and personal loans has become harder for many households over the last 18 months. With interest rates on unsecured borrowing still high, more homeowners are now exploring whether they can consolidate their debts into their mortgage to bring everything […]
Specialist Mortgages: Why More Borrowers Are Turning to Flexible Lenders in 2025
The UK mortgage landscape is changing fast. More borrowers than ever are finding themselves outside the “traditional” lending box from the self-employed and contract workers to those with a few missed payments or credit blips. A recent report from one of the lender’s highlighted just how many people are struggling to access mortgages through high-street […]
NHS Waiting Lists: Why Critical Illness Cover Can Give You Financial Breathing Space.
The NHS is one of the UK’s greatest institutions but it’s under more pressure than ever. As of June 2025, around 6.23 million people in England were waiting for treatment with some facing delays of months or even years. For many families, that means living with uncertainty, pain, and financial stress while waiting for essential […]
Red Flags on Your Bank Statements That Could Cost You a Mortgage
When you apply for a mortgage, most people focus on their credit score but your bank statements tell lenders just as much (if not more) about how you manage your money. Those few pages might seem harmless, but they can reveal spending habits, financial commitments, and red flags that could make a lender hesitate. Let’s […]
Can You Get a Mortgage If You’ve Been in an IVA?
If you’ve been in an Individual Voluntary Arrangement (IVA) and are thinking about buying a home or remortgaging, the good news is it’s possible. With the right advice and a specialist mortgage broker on your side, you could secure a new mortgage or even remortgage to pay off your IVA sooner than you think. What […]
Remortgaging to Pay Off Your IVA: What You Need to Know
If you’re a UK homeowner currently in an Individual Voluntary Arrangement (IVA), you may feel tied down by the 5–6 year repayment term. The good news is that there are specialist lenders who may allow you to remortgage to pay off your IVA early – sometimes after just 12 months into your IVA. This option […]
Specialist Mortgages Explained: What They Are, Who They’re For, and How They Work
When it comes to mortgages, not everyone fits into the “standard” tick-box criteria that many high street lenders use. That’s where specialist mortgages come in, tailored solutions for clients whose circumstances are a little different. At Clever Mortgages, we believe there’s nearly always a way forward, even if you’ve been told “no” before. What […]
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 […]