How does a credit score work?

Credit scores

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

A man looks at bills and a calculator as he considers 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.

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 […]

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 […]

Exiting a fixed rate early

You can usually leave a fixed rate mortgage early – however, lenders usually require an early repayment charge and an exit fee.

Moving House Checklist – Copy

Moving House

Moving house checklist. Please find below our hints and tips for moving house.
Firstly, plan ahead, dont leave it until the last minute.

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