Consolidate Your Debt with a Mortgage: The Smart Way to Take Control of Your Finances
Are you juggling multiple credit cards, loans, or overdrafts and struggling to keep on top of your monthly repayments? A debt consolidation mortgage could be the financial solution you’ve been looking for. By using the equity in your home to consolidate your debts into one manageable monthly payment, you can regain control of your finances […]
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 […]
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 […]
Why You Should Start Thinking About Remortgaging 6 Months Before Your Fixed Rate Ends
If your mortgage fixed rate is ending soon, now is the time to take action. Many homeowners leave it too late and end up paying more than they need to. At Clever Mortgages, we recommend starting the remortgaging process at least six months before your fixed rate ends to secure the best deal and avoid […]
Home Improvement Ideas: Transform Your Space with Clever Mortgages
It’s the perfect time to think about how you can enhance your living space and add value to your home. Whether you’re planning to create your dream kitchen, add an extra bedroom, or finally tackle that garden makeover, home improvements can transform your house into a space you truly love. But how do you finance […]
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, […]
Product Transfers vs. Remortgages: What’s Right for You?
When it comes to renewing your mortgage deal, you’ve got two main options: stick with your current lender for a product transfer or explore the wider market with a remortgage. Both have their benefits, but if you’re not careful, you might miss out on a better deal. Let’s break it down in simple terms so […]
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 Long Does It Take to Buy a Property as a First-Time Buyer?
Buying your first home is an exciting but sometimes overwhelming experience. To help you navigate this journey, here’s a complete guide that outlines the timelines, roles of professionals, and the paperwork you’ll need to prepare. How Long Does It Take? The process of buying your first home typically takes between 2 to 6 months, […]
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
Reasons for remortgaging your home
Remortgaging is a process that most homeowners will go through at some stage in their lives, yet many don’t fully understand what it is or how it works. There are a number of reasons why you might choose to remortgage your home, whether it’s to save or raise money. What is a remortgage? Remortgaging is […]
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
Why Should I Bother To Remortgage?
Remortgaging can help you to save money every month, and be a good way to get a lump sum of money, instead of taking out a personal loan. What is a remortgage? A remortgage is when you take out another mortgage on your home to replace your current loan or to borrow extra money against […]
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 […]
What does the interest rate rise mean for you?
There’s been plenty in the news recently about interest rates rising for the first time in over 10 years. The Bank of England has raised the base rate from 0.25% to 0.5%. This means you could be paying roughly £200 more a year for every £100,000 you owe.
