Mortgage and remortgage specialists

Even if you have bad credit

BSLA.2023.LOGO

ADVERSE BROKER WINNER​

Complete the form below and one of our specialist mortgage advisors will call you back at your arranged time.
Or call us now on 0800 197 0504

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Keep me up to date with the latest info on rates, products and services we think you might be interested in


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We’ve helped 1,000’s of customers get the perfect mortgage – specialising in helping people with bad credit.

  • Over 100 lenders
  • 1000’s of products
  • Bad credit experts
  • Find the right solution for your situation
  • Offering the best support
  • Not every case is the same
  • Access To Exclusive Rates
  • Excellent Reviews

We specialise in helping people find a mortgage and remortgage, even with a low credit score. We will assess an individual’s situation, and finding the right mortgage solution for them. We can help!

Even if you’ve got bad credit – we help people every day with a variety of credit histories to find the right mortgage.
With applications, as we’ll take the hassle away. We require your details once and we’ll know the best lenders for your circumstance.

Our team know the lenders that are most likely to say ‘yes’, and give you the best rates

What should I do next?

You enquire online – Our simple form takes a couple of minutes to fill in, this gets the ball rolling

Speak to one of our mortgage experts – We do all the hard work for you, we search the market for the trusted lender that’s right for you

We can guide you every step of the way, and we’ll always keep you up-to-date with progress

How can we help find the right mortgage for you?

Mortgages with bad credit
General mortgages
Specialist lending
Insurance and protection

See if you pre qualify for a mortgage

Enquire about a mortgage with our pre qualify affordability form. No imprint on your credit score

Speak to a mortgage broker now

There is so much jargon when it comes to mortgages.

Our mortgage advisors are experienced in all types of mortgages and can explain everything to you in a simple and easy to understand manner. We will also do the mortgage application for you! For a free no obligation phone call to discuss your situation, call 0800 197 0504 or complete the pre qualify

Sarah Mascot

Mortgage advisor

Mortgage application process

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

Complete our quick form

Our quick form will give an indication of how much you could borrow and monthly payments. No imprint on credit record

Dedicated mortgage advisor

A dedicated mortgage advisor will be assigned your case. All advisors are trained in prime and bad credit

We search the market

Our advisors will search over 100 lenders and 1000's of products to find the right match for you

*Mortgage borrowing is intended to be a guide based on the amount of deposit entered and your income details.  A mortgage adviser will fully assess your requirements before making a mortgage recommendation.

How do I decide on the best route?

It is important before making a decision to consider the benefits and costs of each mortgage product.  Clever mortgages take the time to understand your requirements and future plans to ensure you receive best advice tailored to your needs.

Complete the callback form and one of our experienced brokers will call you for a FREE no obligation chat

Below are some of the lenders we work with

6 Great reasons to choose Clever Mortgages

Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Not every case is the same

As each customer’s situation is unique, we take the time to understand your situation, and we carefully assess your goals and how we’ll make sure the mortgage we get helps you to achieve them.

Access To Exclusive Rates

The relationship we have with our lenders means we have access to products and deals that simply aren’t available to customers going direct. This is true particularly for those in adverse credit situations.

Offering the best support

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We’re there for you at every step, always keeping you in the loop.

Excellent Reviews

We’re proud of our long-standing 5 Star Rating on Trustpilot, and love all the positive feedback we get from customers every day. We feel privileged to help people get a great deal with far less stress.

Speak to us for free about your mortgage