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 […]
The Best Ways to Fund Your Home Improvements: Remortgages, Secured Loans & Further Advances Explained
If you’re a homeowner, you may be dreaming of a new kitchen, a loft conversion, or an extension to create more space. Home improvements are a great way to put your personal stamp on your property and potentially increase its value. But how can you pay for these renovations without draining your savings? Many homeowners […]
Renters’ Rights Bill: Key Amendments Landlords Need to Know
The House of Lords approved several important amendments to the Renters’ Rights Bill on 7 July 2025. These updates aim to create a fairer, more balanced private rented sector for landlords and tenants. If you’re a landlord looking to stay compliant while protecting your investments, here’s what you need to know. Pet Damage Deposits Now […]
How does a credit score work?
Have you ever wondered how a credit score works? How it can affect you? Or why there are different agencies that create your reports?
Below we answer your questions and a link to a free credit report check*
The main benefits of a debt consolidation loan
If you’re currently dealing with multiple loans from different loan providers then consolidating this debt can be a good option. A debt consolidation loan allows you to combine your debts to provide you with one monthly repayment.
Why Reviewing Your Mortgage and Managing Your Debts Can Support Better Mental Health
Life moves fast, and it’s easy to let financial matters slip to the bottom of your to-do list. But one area that should never be overlooked is your mortgage and wider debt situation. Regularly reviewing your mortgage and keeping your debts under control doesn’t just make financial sense , it can also have a big […]
Bad Credit Remortgage
If you’ve got a mortgage you might be able to make huge savings each month by remortgaging, even if you’ve got bad credit
Mortgage Myths vs Facts: Debunking Common Misconceptions
The mortgage process can feel overwhelming, especially when you’re bombarded with conflicting information. To make informed decisions, it’s crucial to separate fact from fiction. In this blog, we’ll tackle some of the most common mortgage myths in the UK and provide the facts to help you navigate the mortgage journey with confidence. Myth 1: […]
How Do Mortgage Lenders Calculate Your Income? What’s the Maximum They’ll Lend?
When it comes to getting a mortgage, most people just want to know one thing: “How much can I borrow?” The answer isn’t one-size-fits-all, because lenders assess your income, outgoings, and overall financial health before deciding how much they’re willing to lend. Let’s break it down. How Do Lenders Calculate Income? Lenders typically assess […]
Can You Get a Mortgage with Bad Credit? Here’s What You Need to Know
If you’ve struggled with debt or missed payments in the past, you may be asking: Can I still get a mortgage with bad credit? The good news is, yes, it’s possible. You’re not alone, and there are lenders and brokers who specialise in helping people like you. What Is Considered Bad Credit? Bad credit can […]
Case Study: From Mortgage Prisoner to Financial Relief – How We Helped David and Sarah Take Back Control
Meet David and Sarah* – Trapped by a Mortgage, But Not Without Hope David and Sarah, a married couple in their 60s, came to us feeling stuck and overwhelmed. They were on a joint mortgage originally taken out with Northern Rock, now administered by Heliodor, a lender with limited options for change. They owed £42,000 […]
Can You Get a Shared Ownership Mortgage with Bad Credit?
Buying your first home is exciting, but if you have bad credit, you might be worried about your chances of getting a mortgage especially with a Shared Ownership scheme. The good news? It’s still possible! It might take a little extra work, but with the right approach (and some expert help), you can make your […]
Do I need to use a Mortgage Broker?
Getting a mortgage can feel like a minefield. There’s so much jargon, paperwork, and stress involved, and if you’ve got a slightly tricky situation like being self-employed or having a few credit blips it can feel even harder. At Clever Mortgages, we know just how overwhelming it can be. That’s why we do what we […]
Remortgage with Poor Credit – The Facts
Are you thinking about a remortgage? Are you unsure what that term means? Are you worried your credit score may let you down or even prevent you from remortgaging altogether?
We’re here to help
Do I Have to Use the Estate Agent’s Mortgage Broker?
A Guide for Homebuyers Buying a home is a big step, and it’s natural to feel a little overwhelmed with all the advice, paperwork, and professionals involved. One common question we hear from clients is: “Do I have to use the estate agent’s mortgage broker?” The short answer is: no, you don’t. And it’s important […]
