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.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.
EXCELLENT Based on 59 reviews Posted on Google Ali PownallTrustindex verifies that the original source of the review is Google. Really happy with the service abby has gone above and beyond to help me as soon as i have decided on my dream home I will be using the service 1000%Posted on Google Mr McilwaineTrustindex verifies that the original source of the review is Google. Very professional and supportive staff. A high quality of service and would recommend them to anyone looking to find a new mortgage.Posted on Google Robert & Alisha HerringTrustindex verifies that the original source of the review is Google. Oak Mortgages were amazing throughout our house sale & purchase. Abbey in particular was great, answering any questions we had promptly and providing a friendly service.Posted on Google Mayo AderintoTrustindex verifies that the original source of the review is Google. I cannot thank Oak Mortgages enough for all their help and support during my mortgage process. They were professional, knowledgeable, and always available to answer my questions. Everything was handled efficiently and I was kept informed at every stage. They made the whole experience much easier than I expected and I’m very grateful for all their hard work. I would definitely recommend them to friends and family.Posted on Google HolmesTrustindex verifies that the original source of the review is Google. Very friendly staff. Easily approachable when asking questions to gain clarity.Posted on Google RochelleTrustindex verifies that the original source of the review is Google. Laura was amazing from start to finish, very helpful and knowledgable. As first time buyers she explained everything in a simple yet informative way and was very responsive to any queries we had throughout. We would definitely recommend Laura to anyone looking to buy/get on the property ladderPosted on Google Benas DovidauskasTrustindex verifies that the original source of the review is Google. I had an excellent experience working with Claire Geraghty at Oak Mortgages. Claire was professional, knowledgeable, and incredibly supportive throughout the entire mortgage process. She took the time to clearly explain all the options available and made sure I understood each step, which made what can often be a stressful process feel straightforward and manageable. Claire was always responsive, patient with questions, and proactive in keeping everything moving smoothly. Her expertise and attention to detail gave me real confidence that I was getting the best possible advice for my situation. I would highly recommend Claire Geraghty and Oak Mortgages to anyone looking for a reliable, friendly, and highly competent mortgage advisorPosted on Google Samuel Robert StewartTrustindex verifies that the original source of the review is Google. I had a fantastic experience with Oak Mortgages and couldn’t recommend them highly enough. Sarah is the best—she was professional, knowledgeable, and genuinely took the time to understand our situation. Everything was explained clearly, without jargon, which made the whole mortgage process far less stressful than I expected. Sarah was always responsive, kept us updated at every stage, and worked hard to find the best deal for me. It really felt like she had our best interests at heart rather than just trying to push a product. If you’re looking for reliable, friendly, and expert mortgage advice, Oak Mortgages—and especially Sarah—are an excellent choice.Posted on Google Jon SmythTrustindex verifies that the original source of the review is Google. A very easy and stress free re-mortgage thanks to Vicki and the team. We were kept well informed from start to finish. Highly recommended.Posted on Google Marysia ManningTrustindex verifies that the original source of the review is Google. Very smooth process and extremely helpful staff. Quick and efficientVerified 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














