Can You Get a Mortgage If You’ve Been in an IVA?
7th October 2025
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
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
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,
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.
At Clever Mortgages, we regularly meet clients who feel overwhelmed by rising mortgage rates and mounting debts. Recently, we helped one of our clients achieve
Divorce or the dissolution of a civil partnership is never easy, and when a jointly owned home is involved, things can feel even more overwhelming.
If you’ve ever spotted a property with huge potential but in need of work, you’ve probably also faced the same roadblock: traditional lenders won’t touch
With Easter just around the corner, now is a great time to start planning those home improvements you’ve been waiting to make. With our roads
If you have lots of payments to make every month and are struggling to afford them, then debt consolidation could be for you. It’s easily
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
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,
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
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
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
If you’re thinking about applying for a mortgage, one of the most overlooked, yet critical parts of the process is your bank statements. Lenders don’t
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*
You can usually leave a fixed rate mortgage early – however, lenders usually require an early repayment charge and an exit fee.
Moving house checklist. Please find below our hints and tips for moving house.
Firstly, plan ahead, dont leave it until the last minute.
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