Over 100 lenders and 1000+ products

Access To Exclusive Rates

Get an Agreement in Principle today

95% mortgage available

Purchase and Remortgage specialists

First Time Buyer, Home Mover and Remortgages

  • 95% Mortgage are now available!
  • Government Mortgage incentive
  • Stamp Duty incentive extended  Read more
  • Over 100 lenders
  • 1000’s of mortgages
  • Low credit experts
  • Find the right mortgage for your situation
  • Remortgage
  • Debt Consolidation
  • Right to Buy
  • Help to Buy

We specialise in purchase mortgages, remortgages and protection. We have a dedicated team, who will find you a mortgage solution, including for those with poor credit or other complexities within their financial background.

Clever Mortgages has access to over 100 lenders and thousands of mortgage products to help find the most suitable and affordable solution for customers.

Get your Agreement in Principle from us today and before you start looking at properties.  You’ll know the amount you can borrow and how much it’s going to cost you each month.  Also sellers are more likely to accept your offer knowing that you have an ‘in principle’ mortgage decision.

We have arranged over £400m 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.

Free initial advice on all mortgages*

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.

How much could you borrow?

Ever wondered borrow?How much can you Find out nowHouse £0£100£1,100£10,000£50,000£100,000£125,000House £125,000£0£0£5,000£10,000£30,000IncomeMortgage £105,000Deposit£0£20,000£10,000£5,000You could borrow between£105,000 £135,000to

Wondering how much you could potentially borrow and how much a mortgage might cost you?*

Use our free interactive mortgage form to tell you.

Our mortgage advisors will then speak to you in more detail for a free, no obligation mortgage quote.

Watch our video on the mortgage application process

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

FCA regulated

Great independent advice

We are not tied to a single lender, meaning you get the best offers from across the market.

We will help find your perfect mortgage from over 1000 mortgage products and over 100 lenders depending on your situation

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 such as bad credit or low credit score.

We are a whole-of-market broker, so we have access to nearly every mortgage out there. We have access to exclusive deals from lenders that you would not be able to obtain yourself.

Our team of experts do all the applying & chasing for you

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We do the application paperwork for you, then work with the lender and solicitor until your keys are in hand.

If you are looking for a remortgage, we will work with the new lender and solicitor to ensure the funds are released to you as quickly as possible, then you can get on using the money as you wanted, say for home improvements.

We’re there for you at every step, always keep you in the loop.

We can recommend a solicitor for the legal work and help guide you every step of the way

Here’s who you’ll have on side, your dedicated mortgage adviser and case manager, to work alongside your solicitor, the lender, valuer and estate agent. We’ll handle as much as we can for you – and it’s synced up with your mortgage for serious efficiency

What should I do next?

Speak us today for no obligation advice. One of our experts will call for a chat to find out more about what you’re looking for.

We do all the hard work for you, and we’ll find the right deal for you.

Our expert will keep you in the loop all the way to completion.

Did you know?

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.

Below are some of the lenders we work with

Should I use a mortgage broker even if i have good credit?

What is the difference and how could it affect me?

Good Credit
Poor Credit

Having a good – or higher – credit score means you are seen as less of a risk to lenders as you have a good history of keeping up with payments for previous credit. This means you are more likely to be offered mortgages and lending products with better rates.

If you have good credit score a mortgage broker will be able to find the best deal based on your circumstances – whether you’re buying your first home, wanting to move or remortgage.

We’ve helped 1000s of customers with good credit to secure mortgages with market-leading rates

Need a mortgage but have bad credit? We could help.

Even After A CCJ, Default, Missed Payment, DMP, IVA Or Bankruptcy.

Poor credit ratings can be a huge 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 remortgaging.

Plus, we will assess your situation, and our experience means we know which lenders are more likely to say yes. Meaning you are not applying for multiple mortgage applications and harming your credit score more.

We’ve helped 1000s of customers with bad credit to achieve cheaper mortgage payments

Free initial advice on all mortgages

6 Great reasons to choose Clever Mortgages

Purchase and Remortgage Specialists

Every member of our team is experienced in all situations and know how to find the right solutions for customers – helping them get the mortgage they need.

Over 100 lenders

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.

Not every case is the same

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.

Access To Exclusive Rates

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.

Offering the best support

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.

Excellent Reviews

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.

About Clever Mortgages

We are a mortgage broker, based in Grantham, Lincolnshire specialising in purchase and remortgages, including for those with low a low credit score or bad credit.

We know that not everyone has a perfect credit score or a sizable deposit, so we specialise in this ever-changing market and help our customers find a competitive mortgage.

We can help you with:

  • A Purchase mortgage
  • Remortgage
  • Buy to Let
  • Help to buy
  • First time buyer
  • Secured loan
  • Self build mortgage
  • New build mortgage

Speak to a Mortgage Adviser

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