We are a locally based mortgage broker with offices in Grantham, Lincolnshire. We also specialise in bad credit mortgages.
We specialise in mortgages and protection. We have a dedicated team helping those with poor credit or other complexities within their financial background.
Clever Mortgages has access to over 100 lenders and thousands of products to help find the most suitable and affordable solution for customers.
We arranged over £130m of mortgages at market leading rates, despite some customers being previously turned away by major high street lenders.
Our experts are available from Monday – Thursday 9am to 8pm and Friday 9am to 5pm.
We offer telephone appointments, video calls and we have specific office space to allow for face to face appointments – whilst adhering to social distancing – close to Grantham town centre. Free car parking is available onsite.
See how much your mortgage could cost using our live mortgage calculator – please note, mortgages may differ depending on your circumstances.
*Fee’s may be payable if you decide to progress with a full application.
Based on a property value of £ with a £ mortgage for years
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.
This does not take into account your outgoings and commitments, but gives you an initial indication of the potential borrow amount.
Enter your total annual earnings before tax to find out how much you could borrow for a mortgage. If this is a joint application include your total yearly household income.
Are you having trouble getting a mortgage or been refused one, or need help re-mortgaging? We can help – we’re your local mortgage broker.
Mortgages, even with a poor credit, registered CCJ, Default, Missed Payment, DMP, IVA or Bankruptcy.
Poor credit ratings can be seen as a barrier when trying to get a mortgage. Clever Mortgages don’t see it this way and specialise in helping those with bad credit secure a mortgage whether you are looking at buying a house or re-mortgaging.
You’re likely to only have to do one application – this will save you time, and more applications from being recorded on your credit file
You don’t have to use the in-house mortgage broker from an estate agent. Quite often they are limited in their lending panel. Whereas, we have access to over 100 lenders with over 1000 different products, some of which are unavailable by going direct.
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.
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.
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.
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.
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.
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.
We are a mortgage broker, based in Grantham, Lincolnshire specialising in sourcing mortgages for people with bad credit.
We realised from our customers not everyone has a perfect credit score, so we took the option to specialise in this ever-changing market and to help our customers find a competitive mortgage despite your credit history – not have it affected by the mortgage broker you speak to.
It became our mission to understand this unique section of the mortgage market and our aim is to become one the UK’s leading bad credit mortgage brokers.
* Debt consolidation is a good solution for some mortgage customers – however, it’s not suitable for everyone. You should always review the total amount payable through consolidation, not just the immediate savings in terms of a reduced monthly payment.
Please be aware that any unsecured debts consolidated within the mortgage, would then be secured against your property.
By submitting your details you agree to them being used by Clever Mortgages, or an Appointed Representative of Financial Makeover Ltd, to respond to your enquiry. Please note all second charge and commercial products will be dealt with by Clever Lending who are a trading name of Financial Makeover.
Clever Mortgages is a trading name of Financial Makeover Limited. Financial Makeover Limited is a limited company registered in England and Wales with registered number 6111701. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire NG31 0EA. Financial Makeover Limited is authorised and regulated by the Financial Conduct Authority with registered number 706595. Your initial consultation and any quotations are free and you are under no obligation to proceed with any options that may be available to you. If you choose to go ahead with a mortgage or secured loan, a fee will become chargeable. Our calls may be recorded and monitored for training, compliance and complaint handling purposes. Please note funeral plans, commercial mortgages and some buy to let mortgages are not FCA regulated products.
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