Why You Should Start Thinking About Remortgaging 6 Months Before Your Fixed Rate Ends
If your mortgage fixed rate is ending soon, now is the time to take action. Many homeowners leave it too late and end up paying more than they need to. At Clever Mortgages, we recommend starting the remortgaging process at least six months before your fixed rate ends to secure the best deal and avoid […]
The Most Common Questions First-Time Buyers Ask About Mortgages (And The Answers You Need!)
Buying your first home is exciting—but it can also feel overwhelming, especially if you’ve had financial issues in the past or don’t have a credit score. At Clever Mortgages, we specialise in helping first-time buyers, including those who may have faced credit challenges, secure the right mortgage. Below, we answer some of the most common […]
Stamp Duty Changes in April 2025 – The Countdown Begins!
If you’re planning to buy a property, time is running out to take advantage of the current Stamp Duty rates before the upcoming changes in April 2025. With only weeks left until the new rates come into effect, buyers must act swiftly to ensure their transactions are completed in time. But what exactly is changing, […]
Joint Beneficiary vs. Tenants in Common: What’s the Difference?
When buying a property with someone else, one of the key decisions you need to make is how to own the property together. The two main ways to do this in the UK are as Joint Beneficiaries (Joint Tenants) or Tenants in Common. Each option has its own benefits and drawbacks, so it’s important to […]
Where Are Mortgage Interest Rates Heading in 2025?
If you’re thinking about buying a home or remortgaging this year, you’re probably wondering where mortgage interest rates are headed. The good news? Inflation is dropping, and that could mean interest rates might follow. But it’s not quite that simple. Why Do Interest Rates Matter? Interest rates determine how much you pay on your mortgage […]
Was Your Mortgage Application Declined? Here’s What to Do Next
Getting your mortgage application declined can feel like a punch to the gut. But don’t worry—it’s not the end of the road. While your first instinct might be to rush off and apply with another lender, it’s better to pause and figure out why you were declined in the first place. At Clever Mortgages, we’ve […]
Home Improvement Ideas: Transform Your Space with Clever Mortgages
It’s the perfect time to think about how you can enhance your living space and add value to your home. Whether you’re planning to create your dream kitchen, add an extra bedroom, or finally tackle that garden makeover, home improvements can transform your house into a space you truly love. But how do you finance […]
Consolidating Debt with a Second Charge Mortgage
What Homeowners Need to Know Managing multiple debts can be overwhelming, especially if you’re juggling credit cards, personal loans, or store finance agreements. Keeping track of different interest rates, due dates, and payment amounts can feel like a constant financial juggling act. Debt consolidation offers a potential solution – rolling all your debts into one […]
How Klarna and Buy Now, Pay Later Schemes Could Affect Your Mortgage Application
If you’re thinking about buying your first home, you might be wondering if using Klarna or other ‘buy now, pay later’ (BNPL) services could cause issues with getting a mortgage. Spreading out payments can be super helpful, but it’s worth knowing how lenders might see it. Will Klarna Stop You from Getting a Mortgage? Not […]
Professional Landlords Embrace Higher-Yielding Investments Amid Market Challenges
Recent analysis by Shawbrook reveals a significant shift in professional landlords’ strategies, with many focusing on higher-yielding property types such as semi-commercial and commercial properties. This trend, combined with cautious refinancing activity, highlights the sector’s adaptability and prudent approach to navigating current market conditions. Rising Demand for Semi-Commercial and Commercial Properties While overall mortgage application […]
Navigating the Complex World of Development Finance
The landscape of development finance has undergone significant changes since the pre-credit-crunch era when banks were the go-to source for developers. With traditional lenders becoming more selective, new players have entered the market, making development finance a complex but versatile sector. If you’re a developer seeking funding, understanding the variety of available options is crucial. […]
Buy to Let vs. Residential Mortgage: What’s the Difference?
If you’re exploring your mortgage options, you might be wondering: what’s the difference between a buy-to-let (BTL) mortgage and a residential mortgage? While these two mortgage types share some similarities, they serve very different purposes and come with distinct requirements. In this guide, we’ll walk you through the key differences, explain how buy-to-let mortgages work, […]
Why Buying an HMO is a Smart Investment: Funding Options and the Importance of Expert Advice
If you’re looking to diversify your property portfolio or maximize your rental income, investing in a House in Multiple Occupation (HMO) could be the perfect opportunity. HMOs, where three or more tenants share communal facilities but have separate rental agreements, are increasingly popular among landlords and investors due to their high rental yields and demand. […]
Bridging Loans: Keep Your Projects Moving with Clever Mortgages
When it comes to property investment or development, time and funding can make all the difference. Bridging loans are the perfect solution to bridge financial gaps, ensuring that your plans don’t stall. At Clever Mortgages, we partner with lenders like MSP to provide tailored short-term funding solutions to keep you moving forward. What Are […]
New Year, New Home: Tips for First-Time Buyers
The New Year is the perfect time to make a fresh start — and for many, that means taking the plunge into buying your first home. It’s an exciting milestone, but let’s be honest: it can also feel a bit overwhelming. Don’t worry! I’ve put together some friendly, down-to-earth tips to help you kickstart your […]
