How to Read Your UK Credit Report (Experian, Equifax, TransUnion & Checkmyfile)
Why Credit Reports Matter Your credit report is essentially your financial report card. It shows how reliably you’ve managed credit in the past. Lenders (like banks, credit card companies, or car finance providers) check your report when deciding whether to approve you for loans, mortgages, or even mobile contracts. A strong credit report can unlock […]
The main benefits of a debt consolidation loan
If you’re currently dealing with multiple loans from different loan providers then consolidating this debt can be a good option. A debt consolidation loan allows you to combine your debts to provide you with one monthly repayment.
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 Mortgage with Bad Credit? Here’s What You Need to Know
If you’ve struggled with debt or missed payments in the past, you may be asking: Can I still get a mortgage with bad credit? The good news is, yes, it’s possible. You’re not alone, and there are lenders and brokers who specialise in helping people like you. What Is Considered Bad Credit? Bad credit can […]
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 […]
Do I need to use a Mortgage Broker?
Getting a mortgage can feel like a minefield. There’s so much jargon, paperwork, and stress involved, and if you’ve got a slightly tricky situation like being self-employed or having a few credit blips it can feel even harder. At Clever Mortgages, we know just how overwhelming it can be. That’s why we do what we […]
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 […]
Exiting a fixed rate early
You can usually leave a fixed rate mortgage early – however, lenders usually require an early repayment charge and an exit fee.
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 […]
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 mortgage. But what does it really mean? And more importantly can you still get the mortgage you need? Good news: Yes, you can. And with the right specialist advice, your […]
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 like a setback, it doesn’t mean your dream of owning a home together is out of reach. At Clever Mortgages, we help couples in exactly this situation every day—so you’re […]
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 […]
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 shared ownership mortgages. Whether you have bad credit, no credit history, or are struggling to save for a large deposit, our expert brokers can guide you through the process and […]
