The Schemes that could help you buy your home

Mortgage Guarantee Scheme

This scheme was designed to encourage more lenders to re-enter the 95% market.

Help To Buy: Equity Loan

Are you a first-time homebuyer struggling to come up with the down payment?

Shared Ownership

The Shared Ownership scheme could help if you’re struggling to save enough for a deposit

Right-to-Buy mortgage

We can help you buy your council house at a heavily reduced price.

Forces help To Buy

FHTB Scheme can enable you to get onto the property ladder without any money previously saved.

Rent To Buy

Rent to Buy is a government scheme to help clients move from renting to buying a new home by providing subsidised rent.

Lifetime ISA? (LISA)

A Lifetime ISA (LISA) can be opened by anyone aged between 18 and 39 who is a First Time Buyer.

Right to Acquire

Right to Acquire is a government scheme which allows many housing association tenants to buy their rented home at a discounted rate.

First Homes Scheme

The First Homes scheme provides discounted homes for first time buyers.


Proportunity is a tech-driven mortgage lender that combines smart technology and financing to help homebuyers get on the property ladder.

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6 Great reasons to choose Clever Mortgages

Specialists in bad credit

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.

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 or moving house and getting a mortgage is 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 Trustpilot, 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.

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

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

What should I do next?

  • You enquire online with us today or request a call back
    Our simple form takes a couple of minutes to fill in, this gets the ball rolling
  • One of our experts will give you a call to find out more about your situation
    We have experts in remortgaging, who focus solely on helping customers save money
  • We do all the hard work for you
    We search the market for the trusted lender that’s right for you
  • Our expert will get back in touch
    We can guide you every step of the way, and we’ll always keep you up-to-date with progress
Meet the team

Helen Warren

Helen is one of our specialist front line staff on hand to answer your questions

Call Helen on: 0800 197 0504