Mortgage guides and advice

Breaking News Today, Santander announced it is reducing its 5 year fixed rate to below 5% (25 Sept 2023).  Santander isn’t stopping there it is

Clever Mortgages, who arrange mortgages for all types of customers, be that with a poor or excellent credit score, are seeing lenders now decreasing their mortgage interest rates.

Fixed Rate Mortgage vs. Standard Variable Rate: Whether you value the stability of a fixed rate or the flexibility of an SVR, we’re here to help you make an informed decision.

With the average 2 year fixed mortgage rate in the UK reaching a 15-year high of 6.6%*, homeowners face critical decisions regarding their mortgage arrangements. We explain the importance of reviewing your mortgage.

The UK’s largest mortgage lenders and the Financial Conduct Authority (FCA – who regulated mortgages) have agreed with the Chancellor a set of standards that they will adopt when helping their regulated residential mortgage borrowers worried about higher rates.

Yesterday (Thursday 18th May) at the British Specialist Lending Awards, Sarah Tinkler (Mortgage Adviser) won the Adverse Broker category.

A deposit free, first time buyer, 100% mortgage is available to private tenants who feel ‘trapped’ in the rental cycle and are over the age of 21. The product is subject to affordability and credit score, plus evidence of a minimum of a 12-months good track record of a privately rental property.

Clever Mortgages, who arrange mortgages for all types of customers, be that with a poor or excellent credit score, has advised homeowners and potential purchasers

Yes, it is possible to get a mortgage for a non-standard property, but the process can be more complex and may require more documentation and research than a standard property.

Yes, it is possible to get a mortgage with your partner who has bad credit, but you may have fewer options compared to both people having a good credit score.