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 to those with a few missed payments or credit blips. A recent report from one of the lender’s highlighted just how many people are struggling to access mortgages through high-street […]
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 an incredible saving of almost £16,000 per year through a carefully structured remortgage and debt consolidation. The Client’s Situation Property value: £240,000 Mortgage balance: £115,000 Additional borrowing required: £65,000 to […]
Navigating Your Home and Mortgage After Separation
Separation can be one of the most challenging times in your life, and figuring out what to do with your home is often at the heart of it. However, there are several options available from buying out your ex-partner to selling and starting fresh. We’ve broken these down to help you understand what’s possible and […]
Remortgage with Poor Credit
Are you thinking about a remortgage? Are you unsure what that term means? Are you worried your credit score may let you down or even prevent you from remortgaging altogether?
We’re here to help
Why Reviewing Your Mortgage and Managing Your Debts Can Support Better Mental Health
Life moves fast, and it’s easy to let financial matters slip to the bottom of your to-do list. But one area that should never be overlooked is your mortgage and wider debt situation. Regularly reviewing your mortgage and keeping your debts under control doesn’t just make financial sense , it can also have a big […]
Bad Credit Remortgage
If you’ve got a mortgage you might be able to make huge savings each month by remortgaging, even if you’ve got bad credit
Can You Get a Shared Ownership Mortgage with Bad Credit?
Buying your first home is exciting, but if you have bad credit, you might be worried about your chances of getting a mortgage especially with a Shared Ownership scheme. The good news? It’s still possible! It might take a little extra work, but with the right approach (and some expert help), you can make your […]
Remortgage with Poor Credit – The Facts
Are you thinking about a remortgage? Are you unsure what that term means? Are you worried your credit score may let you down or even prevent you from remortgaging altogether?
We’re here to help
Do I Have to Use the Estate Agent’s Mortgage Broker?
A Guide for Homebuyers Buying a home is a big step, and it’s natural to feel a little overwhelmed with all the advice, paperwork, and professionals involved. One common question we hear from clients is: “Do I have to use the estate agent’s mortgage broker?” The short answer is: no, you don’t. And it’s important […]
Getting a Mortgage with Variable or Non-Mainstream Income: What You Need to Know
For many people, getting a mortgage is a straightforward process, show your payslips, prove your income, and get a decision. But for a growing number of people in the UK, it’s not that simple. If your income doesn’t come in a neat, predictable monthly salary or if it fluctuates due to how or when you’re […]
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? The short answer is it depends. While gambling won’t automatically disqualify you, how much, how often, and how it affects your finances can make a big difference. Here’s everything you […]
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 things don’t go to plan and your mortgage application is declined? It’s disheartening, we know. But here’s the good news: a decline doesn’t have to be the end of the […]
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 box. Maybe you’re self-employed, a contractor, juggling multiple income streams or all three. And perhaps you’ve been told, “Sorry, you don’t meet our criteria.” But here’s the truth: Just because […]
Stamp Duty Changes in April 2025 – The Countdown Begins!
If you’re planning to buy a property, time is running out to take advantage of the current Stamp Duty rates before the upcoming changes in April 2025. With only weeks left until the new rates come into effect, buyers must act swiftly to ensure their transactions are completed in time. But what exactly is changing, […]
Where Are Mortgage Interest Rates Heading in 2025?
If you’re thinking about buying a home or remortgaging this year, you’re probably wondering where mortgage interest rates are headed. The good news? Inflation is dropping, and that could mean interest rates might follow. But it’s not quite that simple. Why Do Interest Rates Matter? Interest rates determine how much you pay on your mortgage […]