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 Remortgage Debt Consolidation Right to Buy Help to Buy

We’ve helped 1000s of customers get the perfect mortgage – even with bad credit

Over 100 lenders

Bad credit mortgages experts

Buy-to-let mortgages

Advice for first-time buyers

Right to Buy

Shared Ownership

Find the right solution for your situation

Free initial advice on all mortgages

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Here’s how we helped one couple save £485 a month

Debt consolidation remortgage, even with bad credit Secured a 5 year fixed rate of 2.10%
Consolidated to one monthly payment Credit score repairing

At Clever Mortgages we don’t believe that people should suffer due to a bad credit history. Mr H had been in an IVA and Mrs H was in a Debt Management Plan. They wanted to consolidate their secured loan, plus three other debts, into a new mortgage product – hoping that this would bring down their monthly repayments.

Mr and Mrs H were paying £1,582 and are now paying £1,097 per month.  Clever Mortgages we were pleased to be able to help them make a real difference to their lives, which is also helping them to improve their credit score.

Previous Mortgage

Balance £61,000
Payment £490
Rate 1.25%
Term 12 Years

Previous Secured Loan

Balance £43,000
Payment £436
Rate 10%
Term 12 Years

Previous Unsecured Debts

Balance £44,320
Payment £657
Rate Various
Term 13 Years

New Mortgage

Balance £150,000
Payment £1097.67
Rate 2.10%
Term 13 Years

Here’s how we helped one couple save £485 a month

Debt consolidation remortgage, even with bad credit Secured a 5 year fixed rate of 2.10%
Consolidated to one monthly payment Credit score repairing

At Clever Mortgages we don’t believe that people should suffer due to a bad credit history. Mr H had been in an IVA and Mrs H was in a Debt Management Plan. They wanted to consolidate their secured loan, plus three other debts, into a new mortgage product – hoping that this would bring down their monthly repayments.

Mr and Mrs H were paying £1,582 and are now paying £1,097 per month.  Clever Mortgages we were pleased to be able to help them make a real difference to their lives, which is also helping them to improve their credit score.

 BalancePaymentRateProductTerm
Previous Mortgage£61,000£4901.25%Lifetime tracker12 Years
Previous Secured Loan £43,000£43610%Standard Variable Rate12 Years
Previous Unsecured debts£44,320£657VariousVariousVarious
New Mortgage£150,00£10972.10%5 Year Fixed13 Years

Latest mortgage best buys

Based on a mortgage of £130,000 on a property worth £260,000

Initial rate
Overall cost for comparison
0.98% Tracker
then 3.9% (variable)
3.9% APRC

Fees and charges

  • Booking fee
    £0.00
  • Arrangement fee
    £999.00
  • Valuation fee
    £200.00
  • Other fees
    £590.27
  • Cashback
    £0.00

Other info

  • Exit fee
    £0.00

Flexibility

  • Overpayments allowed?
    Yes

Representative example
A mortgage of £130,000.00 payable over 25 years, on a ‘Tracker rate’ of 0.98% would initially cost £492.51 for 28 months. This would be followed by 272 monthly payments at a variable rate of 3.9% costing £687.83 per month. The total amount payable over the full term of the mortgage would be £201,080.04, made up of the loan amount plus interest and fees (£1,199.00). The overall cost for comparison is 3.9% APRC.
1.08% Fixed
then 3.9% (variable)
3.9% APRC

Fees and charges

  • Booking fee
    £0.00
  • Arrangement fee
    £999.00
  • Valuation fee
    £200.00
  • Other fees
    £590.27
  • Cashback
    £0.00

Other info

  • Exit fee
    £0.00

Flexibility

  • Overpayments allowed?
    Yes

Representative example
A mortgage of £130,000.00 payable over 25 years, on a ‘Fixed rate’ of 1.08% would initially cost £498.46 for 28 months. This would be followed by 272 monthly payments at a variable rate of 3.9% costing £688.56 per month. The total amount payable over the full term of the mortgage would be £201,445.20, made up of the loan amount plus interest and fees (£1,199.00). The overall cost for comparison is 3.9% APRC.
1.24% Variable
then 3.9% (variable)
3.9% APRC

Fees and charges

  • Booking fee
    £0.00
  • Arrangement fee
    £995.00
  • Valuation fee
    £352.00
  • Other fees
    £485.00
  • Cashback
    £250.00

Other info

  • Exit fee
    £0.00

Flexibility

  • Overpayments allowed?
    Yes

Representative example
A mortgage of £130,000.00 payable over 25 years, on a ‘Variable rate’ of 1.24% would initially cost £508.05 for 26 months. This would be followed by 274 monthly payments at a variable rate of 3.9% costing £691.08 per month. The total amount payable over the full term of the mortgage would be £202,697.22, made up of the loan amount plus interest and fees (£1,377.00). The overall cost for comparison is 3.9% APRC.

Below are some of the lenders we work with

Add 6 reasons to buy

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, moving house or remortgaging can be 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 Trust Pilot, 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.

Why use a mortgage broker?

Mortgage brokers can help you find the best deals on the market – not just from one lender. With a broker you’ll get:

  • Valuable knowledge, through years of experience helping customers with bad credit to find mortgages
  • Find the right mortgage first time – some mortgages are only available through a broker
  • Help with the application process
  • Advice on all options available, such as help to buy, guarantor or shared ownership

About Clever Mortgages

We specialise in assessing an individual’s situation, and finding the right mortgage solution for them. We can help:

  • With remortgages, buy-to-let, and first-time buyers mortgages. We have experts who cover these areas
  • 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 to give the best rates

What should I do next?

  • You enquire online with us today or request a call back
    Our simple form takes a couple of minutes to fill in, this gets the ball rolling
  • One of our experts will give you a call to find out more about your situation
    We have experts in remortgaging, who focus solely on helping customers save money
  • We do all the hard work for you
    We search the market for the trusted lender that’s right for you
  • Our expert will get back in touch
    We can guide you every step of the way, and we’ll always keep you up-to-date with progress

Speak to a broker

Laura Connor
MIT Assessor

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