Mortgage guides and advice
First Time Buyer Mortgages: Low Deposit Options, Rates & Getting on the Property Ladder
Buying your first home is one of life’s biggest milestones, but it can also feel daunting. In this blog we will cover how deposits affect
Can You Consolidate Debts Into Your Mortgage?
The Pros, Cons and What Lenders Are Looking For Managing rising credit card balances, car finance and personal loans has become harder for many households
Specialist Mortgages: Why More Borrowers Are Turning to Flexible Lenders in 2025
The UK mortgage landscape is changing fast. More borrowers than ever are finding themselves outside the “traditional” lending box from the self-employed and contract workers
NHS Waiting Lists: Why Critical Illness Cover Can Give You Financial Breathing Space.
The NHS is one of the UK’s greatest institutions but it’s under more pressure than ever. As of June 2025, around 6.23 million people in
Red Flags on Your Bank Statements That Could Cost You a Mortgage
When you apply for a mortgage, most people focus on their credit score but your bank statements tell lenders just as much (if not more)
Can You Get a Mortgage If You’ve Been in an IVA?
If you’ve been in an Individual Voluntary Arrangement (IVA) and are thinking about buying a home or remortgaging, the good news is it’s possible. With
Remortgaging to Pay Off Your IVA: What You Need to Know
If you’re a UK homeowner currently in an Individual Voluntary Arrangement (IVA), you may feel tied down by the 5–6 year repayment term. The good
Specialist Mortgages Explained: What They Are, Who They’re For, and How They Work
When it comes to mortgages, not everyone fits into the “standard” tick-box criteria that many high street lenders use. That’s where specialist mortgages come in,
Review Your Mortgage 6 Months Before Your Rate Ends
Your mortgage is likely one of your biggest monthly commitments. That’s why we always recommend reviewing your deal at least six months before it finishes.
How We Helped Our Client Save £16,000 a Year with a Remortgage & Debt Consolidation
At Clever Mortgages, we regularly meet clients who feel overwhelmed by rising mortgage rates and mounting debts. Recently, we helped one of our clients achieve
What Happens to Your Mortgage When You Divorce?
Divorce or the dissolution of a civil partnership is never easy, and when a jointly owned home is involved, things can feel even more overwhelming.
Bridging Finance: The Fast Track to Buying, Renovating, and Releasing Equity
If you’ve ever spotted a property with huge potential but in need of work, you’ve probably also faced the same roadblock: traditional lenders won’t touch