Mortgage guides and advice
Consolidate Your Debt with a Mortgage: The Smart Way to Take Control of Your Finances
Are you juggling multiple credit cards, loans, or overdrafts and struggling to keep on top of your monthly repayments? A debt consolidation mortgage could be
Self-Employment and Mortgages: How Different Types of Income Are Assessed
If you’re self-employed and thinking about applying for a mortgage, you might be wondering: “Will the lender understand how I earn my income?” The answer
Self-Employed and Want a Mortgage? Here’s How to Get Approved – Even with Just 1 Year of Accounts or a Credit Blip
Being self-employed offers incredible freedom but when it comes to getting a mortgage, it can sometimes feel like you’re facing an uphill battle. The good
Can I Get a Mortgage While in a Debt Management Plan (DMP) or IVA?
If you’re currently in a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA) and wondering whether you can still achieve homeownership or remortgage
Remortgaging When Your Credit Score Isn’t Perfect – Why It’s Still Worth Exploring
Let’s be honest, life happens. Whether your financial situation has changed since you first took out your mortgage, or you’re still working hard to get
Can Gambling Affect Your Mortgage Application?
If you’re applying for a mortgage and have gambling transactions on your bank statements, you might be wondering: Will this stop me from getting approved?
Can You Get a Mortgage with Complex Income?
Absolutely – Here’s How If you’re self-employed, a contractor, or have multiple income streams, you’ve probably heard the term complex income when applying for a
Can We Still Get a Mortgage if My Partner Has Bad Credit?
The short answer? Yes—you absolutely can. If you’re a first-time buyer and your partner has a poor credit score, don’t panic. While it may feel
Declined Mortgage Application? Here’s How We Can Help You Turn It Around
Securing a mortgage is one of the most exciting and often nerve-wracking steps on the journey to owning your dream home. But what happens when
Self-Employed or Have a Complex Income? Getting a Mortgage Isn’t Out of Reach
At Clever Mortgages, we speak to people every day who’ve been turned away by their bank simply because they don’t fit into the “traditional” salary
The Ultimate Guide to Shared Ownership Properties and Shared Ownership Mortgages.
Who Are Clever Mortgages and How Can We Help? At Clever Mortgages, we specialise in helping individuals secure the right mortgage for their needs, including
Credit Reports and Mortgages: What You Need to Know
When applying for a mortgage, one of the biggest factors that lenders consider is your credit report and credit score. But here’s the catch—not all