Rising Debt and Christmas Spending: How Homeowners Can Take Control Before January Hits
As Christmas approaches, it’s easy to get caught up in the excitement presents, parties, and festive food can all add up – have you seen the price of Turkeys this year! But for many households, this season also brings financial strain. Rising costs, regular use of credit cards or Buy Now, Pay Later (BNPL) services, […]
Review Your Mortgage 6 Months Before Your Rate Ends
Your mortgage is likely one of your biggest monthly commitments. That’s why we always recommend reviewing your deal at least six months before it finishes. This gives us time to explore your options, secure a new deal, and avoid you falling onto your lender’s higher Standard Variable Rate (SVR) which could mean paying a lot […]
How We Helped Our Client Save £16,000 a Year with a Remortgage & Debt Consolidation
At Clever Mortgages, we regularly meet clients who feel overwhelmed by rising mortgage rates and mounting debts. Recently, we helped one of our clients achieve an incredible saving of almost £16,000 per year through a carefully structured remortgage and debt consolidation. The Client’s Situation Property value: £240,000 Mortgage balance: £115,000 Additional borrowing required: £65,000 to […]
How a debt consolidation loan could reduce your monthly payments
If you have lots of payments to make every month and are struggling to afford them, then debt consolidation could be for you. It’s easily done, for example you pay for some shopping on one credit card, put the payment for your car’s MOT on another, and before you know it your monthly repayments have […]
The Best Ways to Fund Your Home Improvements: Remortgages, Secured Loans & Further Advances Explained
If you’re a homeowner, you may be dreaming of a new kitchen, a loft conversion, or an extension to create more space. Home improvements are a great way to put your personal stamp on your property and potentially increase its value. But how can you pay for these renovations without draining your savings? Many homeowners […]
Remortgage with Poor Credit
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
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
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
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.
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, […]