Clever Mortgages

We specialise in assessing an individual’s situation, and finding the right mortgage solution for them. Poor credit ratings can be seen as a barrier when trying to get a mortgage. Clever Mortgages don’t see it this way and specialise in helping those with bad credit secure a mortgage whether you are looking at buying a house or remortgaging.
We can help:

With remortgages, buy-to-let, second charge and first-time buyers mortgages. We have experts who cover these areas.

Even if you’ve got bad credit – we help people every day with a variety of credit histories to find the right mortgage

With applications, as we’ll take the hassle away. We require your details once and we’ll know the best lenders for your circumstance

Our team know the lenders that are most likely to say ‘yes’, and give you the best rates

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

As each customer’s situation is unique, we take the time to understand your situation, and we carefully assess your goals and how we’ll make sure the mortgage we get helps you to achieve them.

Mortgage brokers can help you find the best deals on the market – not just from one lender. With a broker you’ll get:

Valuable knowledge, through years of experience helping customers to find mortgages

An improved chance at finding a mortgage, some mortgages are only available through a broker

Help with the application process, as usually just one application can be used across various lenders

Advice on how to improve your chances, for instance getting a guarantor or applying for a joint mortgage

Your home may be repossessed if you do not keep up repayments on your mortgage.

Clever Mortgages is a trading name of Financial Makeover Limited. Financial Makeover Limited is a limited company registered in England and Wales with registered number 6111701. Registered Office: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire NG31 0EA. Financial Makeover Limited is authorised and regulated by the Financial Conduct Authority with registered number 706595. Your initial consultation and any quotations are free and you are under no obligation to proceed with any options that may be available to you. If you choose to go ahead with a mortgage or secured loan, a fee will become chargeable. Our calls may be recorded and monitored for training, compliance and complaint handling purposes.