Mortgage with a low credit score?

You can still take out a mortgage even if you’ve got a poor credit score

Are you worried you may struggle to get a mortgage because of a poor credit history.

At Clever Mortgages, we like to do things a little differently.

With us, we can help by doing something called a soft credit check.

This means that we’ll look at your information and let you know if you’re likely to be accepted for a mortgage before you apply for it.

This not only protects your credit score from being damaged, but also saves you time and effort by removing the mortgages that you aren’t going to be accepted for, and instead only showing you the ones that you could get.

See if you qualify

Call now to speak with a specialist mortgage broker

0800 197 0504

or complete our form and see what you could potentially borrow

Excellent Excellent Excellent
Read More
After being quoted 8.6% for a mortgage after my IVA I thought I would never be able to get a mortgage until enough time had passed. I happened to find clever mortgages online and instantly was told it was possible. Managed to get a much better mortgage despite my financial history. The lady who was assigned to me was very helpful and knowledgable. Plus great customer service. I honestly couldn’t fault the service. Would highly recommend
I have no words to express how amazing…
Read More
I have no words to express how amazing clever mortgages staff and the whole process was. From start to finish I was looked after, informed at every step on progress and made the best choice in selecting my lender. I would highly recommend clever mortgages to everyone. A very big thank you to April and Beth both are amazing and very professional at their jobs. I look forward to your help further along the line. Thank you all once again
I contacted Clever Mortgages as I was…
Read More
I contacted Clever Mortgages as I was having trouble finding a lender! Laura was absolutely amazing nothing was too much trouble, it took a while but we got there! Would recommend them and would use them again if I could give more stars I would! Thank you to Natalie and Vicky and the rest of the girls who have helped me through it! Celebration time now! 🥂🥳

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 to find mortgages
  • An improved chance at finding a mortgage, some mortgages are only available through a broker
  • Help with the application process, as usually just one application can be used across various lenders
  • Advice on how to improve your chances, for instance getting a guarantor or applying for a joint mortgage

Quick calculator

Input your salary for a quick overview of what you could potentially borrow

How much can I borrow?

You might have never had a mortgage before, or your financial circumstances might have recently changed. In either case, you might be unsure how much you can borrow for a mortgage. Our tool can help work this out based on your salary, combining your partner’s salary if it’s a joint mortgage.

How much can I borrow for the mortgage?

Number of applicants


Applicant 1 Applicant 2
Annual Income
Other Income

Your Mortgage results

Based on your entered income and subject to lenders criteria and credit scoring,
you could be eligible to lend between £{{ mortgageResult.min | currency }} to £{{ mortgageResult.max | currency }}.

A mortgage of £{{ mortgageResult.max | currency }} at 5.8% over 25 years would cost you approximately £{{ monthlyPayments | currency }} per month.

Please complete annual income for both applicants.

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 give you the best rates

Call now to speak with a specialist mortgage broker

0800 197 0504

 Mon – Thurs 9am -7pm | Fri 9am – 5pm