Want to Buy Your First Home This Year but Worried About Your Credit or Deposit?
Are you a first-time buyer hoping to move home this year, but feel held back by a poor credit score or not having enough deposit? You’re not alone and importantly, these things don’t always stop you getting a mortgage. At Clever Mortgages, we’ve helped hundreds of people buy a home even when their credit wasn’t […]
Want to Buy Your First Home This Year but Worried About Your Credit or Deposit?
Are you a first-time buyer hoping to move home this year, but feel held back by a poor credit score or not having enough deposit? You’re not alone and importantly, these things don’t always stop you getting a mortgage. At Oak Mortgages, we’ve helped hundreds of people buy a home even when their credit wasn’t […]
January Mortgage MOT: Is Your Home Loan Still Working for You?
January is often the month where reality kicks back in. The decorations come down, the credit card statements land, and many of us start thinking about money a little more seriously. If you’re a homeowner, January is actually one of the best times to review your mortgage. Interest rates have shifted over the last few […]
Can You Really Get a Mortgage with Adverse Credit? Yes and Here’s How to Make It Happen
Buying a home can feel impossible when you’ve had financial problems in the past. Maybe you’ve missed a payment, had a default, built up some debt during tough times, or even gone through bankruptcy or an IVA. Many people believe this automatically blocks them from getting a mortgage but the truth is, it doesn’t. At […]
Christmas Budgeting Tips – Especially if You’re Planning to Move House or Get a Mortgage Next Year
Christmas is magical, but the financial hangover in January isn’t. If you’re planning to buy your first home, move house, or apply for a mortgage in the next 6–12 months, how you manage your money over Christmas matters more than you think. Your bank statements, use of overdrafts, Buy Now Pay Later accounts (like Klarna, […]
Rising Debt and Christmas Spending: How Homeowners Can Take Control Before January Hits
As Christmas approaches, it’s easy to get caught up in the excitement presents, parties, and festive food can all add up – have you seen the price of Turkeys this year! But for many households, this season also brings financial strain. Rising costs, regular use of credit cards or Buy Now, Pay Later (BNPL) services, […]
First Time Buyer Mortgages: Low Deposit Options, Rates & Getting on the Property Ladder
Buying your first home is one of life’s biggest milestones, but it can also feel daunting. In this blog we will cover how deposits affect rates and what low‑deposit options are available. Remember, this content is for information only and does not constitute financial advice. Why your deposit matters When you take out a mortgage, […]
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 […]