Mortgage products

If you’re looking to buy a house, it’s likely that you will need to take out a mortgage. The type of mortgage you will require will largely depend on your situation and the reason you’re looking to buy the property.

Whatever your needs, we will help get the right mortgage for you.

Remortgage deals

We make getting a remortgage stress-free, and it could save you significant money every month.

Debt consolidation mortgage

If you’ve got debt, there could well be an opportunity to consolidate them into one, with a debt consolidation mortgage.

Secured loan

Secured loan for any purpose even if you have bad credit.

Help-to-Buy mortgage

We could get you onto the property ladder with a Help-to-Buy mortgage.

Shared Ownership mortgage

We can help you get onto the property ladder with a Shared Ownership mortgage.

Right-to-Buy mortgage

We can help you buy your council house at a heavily reduced price.

Buy-to-let mortgage

Buying a property as an investment can help you gain future financial security. Let us help you reach your goal with a buy-to-let mortgage

First time buyer mortgage

We make getting a first time buyer mortgage stress-free.

Residential mortgage

A residential mortgage for a property you live in is one of the most common forms of credit in the UK.

Self build mortgage

Self build mortgage – helping you to secure finance to build your own home.

New build mortgage

We can help you buy a new build property or purchase a home off-plan.

Professional mortgags

Your job type might make getting a mortgage more difficult.

Second home mortgage

We can provide second mortgages if you’re looking to buy another property.

Read our latest reviews

6 Great Reasons To Choose Clever Mortgages

Specialists in bad credit

We have helped 1000’s of people with bad credit. All our advisors are trained on securing mortgages for clients with bad credit. In short, we know this market.

Over 100 lenders

We are a broker that has carefully selected over 100 lenders in all sectors. Which means you get access to a wide range of deals, including those from niche lenders.

Not every case is the same

We understand every case is different, and every customer has a different requirement, whether it’s debt consolidation, freeing up capital, or simply saving money, we look at every situation to help you

Access To Exclusive Rates

With access to every adverse friendly lender, we can often secure you exclusive rates you won’t find on the high street.

First Class Support

Our experienced admin team are always on hand to answer your questions and keep you updated throughout.  So you’ll always know what’s happening.

Glowing Reviews

We have a 5 star rating from Trustpilot by delighted clients. Find out why our customers rave about us.

About Clever Mortgages

We are a mortgage broker who specialise in sourcing mortgages for people with bad credit.

We soon realised from our customers not everyone has a perfect credit score, so we took the option to specialise in this ever-changing market and to help our customers find  a competitive mortgage despite your credit history – not have it affected by the broker you speak to.  It became our mission to understand this unique section of the mortgage market and our aim is to become one the UK’s leading bad credit mortgage brokers.

Why should I use a mortgage broker?

  • You’re likely to only have to do one application – this will save you time, and more applications from being recorded on your credit file
  • Some mortgages especially for people with bad credit are only available if you go through a mortgage broker
  • Brokers can advise on what would improve your chances – e.g. finding a guarantor or opting for a joint mortgage
  • They can take the hassle of application forms away – talking you through every step, and asking all the right questions

What should I do next?

  • Speak us today for no obligation advice
  • One of our experts will call for a chat to find out more about what you’re looking for
  • We do all the hard work for you – we’ll find the right deal for you
  • Our expert will keep you in the loop all the way to completion
Meet the team

Alicia Bramley

Alicia progresses our clients’ mortgage and protection applications as efficiently & speedily as possible

Call us on: 0800 197 0504