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 […]
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