Home improvement loans

A home improvement loan can be a great way to make your property exactly as you would like it.

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

      EXCELLENT  
   Based on 88 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Zin Ameur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
  
 
      Posted on Google  
   
   Major Tom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
  
 
      Posted on Google  
   
   Alex 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none.

Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward.

With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get.

I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio.

Highly recommended!
  
 
      Posted on Google  
   
   sunday ifenkwe 
 
 
 
 Trustindex verifies that the original source of the review is Google. They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly.  I am happy I used their services.
I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
  
 
      Posted on Google  
   
   Ifenkwe Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Well so far the experience with you guys has been pretty great
  
 
      Posted on Google  
   
   Hannah Vivian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
  
 
      Posted on Google  
   
   Stephen Dowding 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
  
 
      Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through.

Sarah and her team were brilliant.

They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage.

We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care.

A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

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Home improvement loans

At Clever Mortgages, we believe everyone should be able to make their house the home of their dreams.

Why you might want to improve your home

A home improvement loan can be a great way to make your property exactly as you would like it. This can be ideal if you’re in a situation where you don’t want or can’t afford to move. Updating your current property can be a more convenient and cheaper alternative. It can also help to add value to your property if or when you choose to sell.

Whether this is a loft conversion, new kitchen or extension; making improvements to your home will require a significant financial outlay. A home improvement loan can allow you to fund the changes you’re looking to make.

Using a secured loan for home improvements

A secured loan or ‘homeowner loan’ is an alternative to unsecured lending. This could be an option if you have a non-existing or poor credit history which has affected your credit rating.

But despite your personal circumstances, a secured loan can allow you to borrow significantly more than other alternatives, such as a personal loan or credit card. This is because the loan is secured against your property and is, therefore, less of a risk for the lender. As a result, interest rates for this type of loan can be lower depending on your circumstances.

You should be aware, however, that if you miss any of your monthly repayments you could be at risk of losing your home.

Alternative homeowner loan options

Other finance options offer safer unsecured borrowing but will generally only let you borrow up to £15,000 not lend as much as secured options.

Personal loan

A personal loan – also known as an unsecured loan – allows you to borrow money without the need to secure the loan against an asset. As these loans can be a higher risk for lenders, you may pay a higher rate dependant on your circumstances.

Credit card

Another option for borrowing money is using a 0% credit card. As long as you ensure you pay back the amount before the interest-free period ends, you won’t be charged for borrowing this money. The downside to this method is that you will need to limit your spending to what you need. In addition, you will also need a good credit score to be able to get the best deals.

Mortgage application process

4 simple steps for applying for a mortgage. See more about the mortgage application process here

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We specialise in helping people find a mortgage and remortgage.

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What should I do next?

There are many ways to contact us

Enquire online – our simple online form takes just a few minutes.

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Below are some of the lenders we work with

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

      EXCELLENT  
   Based on 88 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Zin Ameur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
  
 
      Posted on Google  
   
   Major Tom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
  
 
      Posted on Google  
   
   Alex 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none.

Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward.

With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get.

I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio.

Highly recommended!
  
 
      Posted on Google  
   
   sunday ifenkwe 
 
 
 
 Trustindex verifies that the original source of the review is Google. They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly.  I am happy I used their services.
I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
  
 
      Posted on Google  
   
   Ifenkwe Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Well so far the experience with you guys has been pretty great
  
 
      Posted on Google  
   
   Hannah Vivian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
  
 
      Posted on Google  
   
   Stephen Dowding 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
  
 
      Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through.

Sarah and her team were brilliant.

They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage.

We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care.

A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

0330 232 0285

0330 232 0285

0330 232 0285

Home improvement loans

A home improvement loan can be a great way to make your property exactly as you would like it.

Clever Mortgages is now part of Oak Mortgages Limited.

Ready to start your process?