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 credit scores are the same, and what you see on a credit checking app might be completely different from what your mortgage lender sees. Many people get caught off guard […]
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 […]
Was Your Mortgage Application Declined? Here’s What to Do Next
Getting your mortgage application declined can feel like a punch to the gut. But don’t worry—it’s not the end of the road. While your first instinct might be to rush off and apply with another lender, it’s better to pause and figure out why you were declined in the first place. At Clever Mortgages, we’ve […]
How Klarna and Buy Now, Pay Later Schemes Could Affect Your Mortgage Application
If you’re thinking about buying your first home, you might be wondering if using Klarna or other ‘buy now, pay later’ (BNPL) services could cause issues with getting a mortgage. Spreading out payments can be super helpful, but it’s worth knowing how lenders might see it. Will Klarna Stop You from Getting a Mortgage? Not […]
New Year, New Home: Tips for First-Time Buyers
The New Year is the perfect time to make a fresh start — and for many, that means taking the plunge into buying your first home. It’s an exciting milestone, but let’s be honest: it can also feel a bit overwhelming. Don’t worry! I’ve put together some friendly, down-to-earth tips to help you kickstart your […]
Mortgage Options for Those in a Debt Management Plan (DMP)
If you have been or are currently in a Debt Management Plan (DMP), you might wonder how this impacts your ability to get a mortgage. The good news is that there are mortgage options available, whether you’re currently in a DMP or have completed one. Let’s explore what a DMP is, the available mortgage options, […]
Getting a Mortgage with Defaults: Your Comprehensive Guide
If you have defaults on your credit file, the idea of getting a mortgage might feel overwhelming. However, it’s not impossible. There are lenders who specialise in helping people with bad credit, including defaults, CCJs, or even Debt Management Plans, get on the property ladder. This guide will explain what defaults are, how they affect […]
How Buy Now, Pay Later Services Like Klarna, GoCardless, and PayPal Credit Can Affect Your Chances of Getting a Mortgage
If you’re planning to buy a house, you’ve probably heard that lenders look closely at your finances to decide if they’ll give you a mortgage. What you might not realise is that using things like Klarna, GoCardless, PayPal Credit, or other “buy now, pay later” (BNPL) services could have an impact on their decision. Let […]
Mortgages, even with bad credit
Poor credit ratings can be a huge barrier when trying to get a mortgage. Luckily there are brokers such as Clever Mortgages who can help you secure a bad credit mortgage when you are looking at buying a house. We have help 1000’s of customers, just like you with bad credit, achieve cheaper mortgage payments. […]
Taking out a bad credit.mortgage
Have you been denied a mortgage because of your credit history? Do you have bad credit and wondering how to get a bad credit.mortgage? Clever Mortgages can help applying for a bad credit mortgage Finding a lender who will be willing to offer a ‘bad credit mortgage’ can sometimes be difficult. Here at Clever Mortgages […]
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 I Get A Mortgage With Bad Credit?
If you’re worried about getting a mortgage with bad credit, rest assured we help customersevery day just like you. Here we’ll cover: How we helped a customer who’d had an IVA to get a mortgage and get on the property ladder How we could help, by knowing which mortgage lenders accept bad credit applications Why […]
Can I Get A Mortgage With Poor Credit?
When you apply for a mortgage, the lender tries to predict your reliability for making your repayments responsibly, based on the way you’ve acted in the past. To do this, they look at lots of different data that’s stored on your credit file. This might include how many applications for credit you’ve made recently, how […]
We can help you remortgage even with bad credit
If you have bad credit and need to remortgage your home, then don’t worry as we should be able to help. We understand there can be lots of reasons for people having an impaired credit profile and will look into your circumstances to make sure you’re offered the most suitable solution. A mortgage is not […]
