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 […]
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 […]
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 […]
Case Study: From Mortgage Prisoner to Financial Relief – How We Helped David and Sarah Take Back Control
Meet David and Sarah* – Trapped by a Mortgage, But Not Without Hope David and Sarah, a married couple in their 60s, came to us feeling stuck and overwhelmed. They were on a joint mortgage originally taken out with Northern Rock, now administered by Heliodor, a lender with limited options for change. They owed £42,000 […]
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 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 […]
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 […]
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 […]
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 […]
Check your credit score
Many people avoid checking their credit report because they have been lead to believe it will have an impact on their overall score. In fact, you can check your own credit report as often as you like without it having an impact on your score. Although every check of your report will create a footprint on your file, only searches made by financial lenders will leave a mark on your file that other lenders will see.
