A mortgage solution tailored for you
We make mortgages easy. Whether you’re buying a property

, looking to remortgage or want to make home improvements, we’ll make sure we provide the right solution for you.
If you’re a landlord looking for a buy-to-let mortgage or thinking of consolidating your debt, we’ll consider all the different options and arrange the right mortgage for your requirements. We specialise in maximising opportunities for our customers.
We work closely with over 100 Lenders and can find the most suitable solution from over 1000 products. Let us take away the hassle of searching for different mortgages from different providers. We will always take your individual situation into account and use our expertise to provide a solution based on your needs.
It’s really easy to talk to us about finding a mortgage solution for you.
Speak to one of our brokers now, or fill in our simple enquiry form and we’ll go through all your mortgage options.
You can also use our calculator to work out how much you could borrow and how much your monthly payments could.
I will aim to secure you a mortgage whatever your circumstances
Jacek Musialik on 07894 685185
I have always been passionate about finance and my interested were cemented by graduating with Master’s degree in Economics. In 2012 I became fully qualified mortgage & protection adviser which allowed me to launch my career in the financial industry in the UK. I have previously worked for the citizens advice bureau which really shaped my focus on clients’ individual needs and achieving best outcomes for them; this ethos continues now I’ve entered Mortgage & Protection industry.
My knowledge is across the variety of mortgage and protection, but working for Clever Mortgages allows me to deal with some very complex lending cases and I really enjoy that challenge. I work flexibly, I am based at the office of Pridea estate agents in Lincoln and provide a free initial consultation. – Jacek-Musialik
Jacek Musialik
Mortgage & Protection Adviser
YOUR LOCAL ADVISER
For further information or to arrange an appointment,
contact me on 07894 685185 or email
jacek.musialik@clever-mortgages.co.uk
- Mortgages & remortgaging
- Poor credit mortgages
- Buy to let
- Equity release
- Commercial, bridging & development finance
- Life insurance & Income protection
- Funeral plans
- Secured loans
No obligation advice on all types of mortgages
Try our Mortgage Calculator – let’s see what you could borrow
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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.oakmortgage.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 33 reviews Posted on Trish WrightTrustindex verifies that the original source of the review is Google. Extremely helpful team. From start to finish they supported us through a complex remortgage process. Nothing was ever too much trouble. They were professional and reassuring throughout. Thank youPosted on Laura JonesTrustindex verifies that the original source of the review is Google. First class service from a top draw company. Our mortgage advisor Sarah is incredible and we wouldn’t want to deal with anyone else. Thank you for all of your hard work and efforts, we really appreciate it.Posted on Luke PickTrustindex verifies that the original source of the review is Google. Fantastic start to finish, what a lovely team to communicate with who truly care about finding you the best deal. They kept in touch, they offered support and ear to moan to but always kept things positive and moving forward.Posted on Millie WardTrustindex verifies that the original source of the review is Google. We had such amazing support through out the whole process of buying a house. They really took their time explaining things we didn’t quite understand and went through everything throughly. We want to thank Sarah, Ashley and Ashleigh as they gave us constant support and always replied fast to our enquiries. They made a stressful time a smoother process.Posted on James McDonnellTrustindex verifies that the original source of the review is Google. New experience as first time buyers but Sarah and her team were extremely efficient and allowed our constant bombardment of questions to be met with happy answers. House purchasing is stressful and for ourselves it was very confusing but they provided us with reassurances and managed our expectations throughout the process. Thanks again team for helping us with our first house purchase on a home we never thought we could achieve.Posted on Helen WyllieTrustindex verifies that the original source of the review is Google. Excellent service from start to finish. All staff were so helpful and efficient. I remortgaged following my divorce and was guided through every step. Most highly recommended. Thank you so much.Posted on John ZhouTrustindex verifies that the original source of the review is Google. We were lucky enough to find Sarah and Chris at Oak Mortgage. Our mortgage was refused by our current mortgage lender Halifax, just a few weeks before completion due to one of us being self-employed. We were then turned down again by other time-wasting agents. The situation quickly became a nightmare — not just for us, but also for our seller and buyer. Most mortgage advisors weren’t willing to invest the time, as many prefer straightforward cases, even though both of our credit scores were above 600/700. But Chris and Sarah truly demonstrated what British professionalism should look like: they were attentive listeners, patient, and highly professional throughout. Thanks to their support, our case was completed smoothly within a few weeks. Although it slightly delayed our original plan, we successfully completed in the end. We would definitely and highly recommend Sarah and her team — well done and thank you!Posted on Bethan PriceTrustindex verifies that the original source of the review is Google. Outstanding Service from Sarah Tinkler at Oak Mortgages I can't recommend Oak Mortgages enough, especially Sarah Tinkler, who has been absolutely amazing throughout the entire process. She was incredibly knowledgeable, supportive, and always quick to respond to any questions I had. Nothing was ever too much trouble, and she made what could have been a stressful process feel smooth and straightforward. Thank you so much, Sarah 🙂 BethanPosted on Edmund FryTrustindex verifies that the original source of the review is Google. Claire made the process simple and helped explain all our options. Would highly recommend.Verified by TrustindexTrustindex 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
Below are some of the lenders we work with














