Mortgage Myths vs Facts: Debunking Common Misconceptions
The mortgage process can feel overwhelming, especially when you’re bombarded with conflicting information. To make informed decisions, it’s crucial to separate fact from fiction. In this blog, we’ll tackle some of the most common mortgage myths in the UK and provide the facts to help you navigate the mortgage journey with confidence. Myth 1: […]
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, […]
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 […]
A Comprehensive Guide to HMO properties.
Investing in Buy-to-Let Properties: A Comprehensive Guide to Success with HMOs Investing in a buy-to-let property can be a rewarding venture, offering both steady rental income and potential property value appreciation. But for those looking to maximise returns, a House in Multiple Occupation (HMO) can be a smart choice. An HMO property, where multiple tenants […]
How COV-ID 19 impacted mortgage products and the market
The coronavirus pandemic has changed many aspects of our daily lives, with everyone taking steps and precautions to work together to prevent the spread. In uncertain times, banks and lenders are examining their products and the level of risk involved. A number of mortgage products have been withdrawn from the market, mainly those with a […]
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 […]
Additional Borrowing on Mortgage
One potential reason for remortgaging is to take out additional borrowing on a mortgage to consolidate debt. At Clever Mortgages, we’re experts in helping customers find the right remortgage solution, based on their individual situation, alongside the goals they wish to achieve. In this guide we focus on a customer who wanted to take out […]
Paying the Mortgage After Separation
For some of our customers, paying the mortgage after separation is their key concern. They come to Clever Mortgages, wanting to break their financial ties with a previous partner. In this guide we’ll look at: How we helped our customer with paying the mortgage after separation Making sure he also realised his goal of bringing […]
Debt Consolidation Mortgages
Getting a new mortgage to consolidate your debts can be a good way to get your finances back on track. In this guide we’ll cover: How we helped a customer to save money every month with a debt consolidation mortgage – even with poor credit history! A little about the remortgage process with us – […]
Mortgage jargon buster
We know that getting a mortgage can be confusing. There are lots of things to consider and a lot of terminologies that you may not have heard before. Here we have tried to clear up the confusion by explaining in simple terms what these different terms mean.
