Clever Lending launches specialist commercial service

February 11, 2020

We’ve broadened our offering by launching a new commercial lending division and increased the range of products and solutions for the professional sector. Additional partners have been welcomed to our panel and we now have access to several new products, including finance for property development projects, asset finance, invoice discounting and unsecured business loans. Driving […]


Reducing a self-employed customer’s payments by over £2,500 a month with a second charge

January 15, 2020

The customer story We were approached by a broker whose customer was looking to consolidate £127,000 worth of debt. He actively worked as a dentist but was self-employed and contracted to BUPA, the British international healthcare specialist. Applying our insight As the client was self-employed, most lenders would only accept SA302s or accountant certificates, however, […]


Unravel your customers’ finances!

November 19, 2019

The customer story We were approached by a broker as her customer was struggling to manage the numerous payments for his existing debts. The customer already had first and second charge mortgages, along with several unsecured debts, and his monthly commitments were becoming difficult to meet. His credit score wasn’t great as he’d missed payments […]

Product Second Charge Uncategorized

Securing speedy finance to purchase an auction buy-to-let property

November 12, 2019

The customer’s story We were approached as the broker’s customer wanted to buy a property at auction which she would then rent out. She’d already applied for a buy-to-let mortgage with a high street bank, but as the property she’d seen needed work carrying out before a tenant would be able to live there, she’d […]


Saving new parents nearly £2k a month with a second charge

November 01, 2019

Customer story This case involved a married couple who had recently welcomed a new baby to their family. Despite Mr C being in full-time employment, Mrs C was on maternity leave and their unsecured debts had crept up. The had relied more on unsecured finance, such as credit cards, to get by and subsequently, the […]

Product Second Charge

Raising a second charge on a property owned in trust

October 24, 2019

Customer story This case was sent to us by a broker as the customer wanted to renovate a 17th Century barn on the estate where he lived in a property in trust and turn it into a wedding venue. He also wanted to consolidate various unsecured debts, which he had in fact missed some payments […]

mortgage transfer

How a second charge mortgage recently benefitted just one self-employed client

September 27, 2019

The client’s story Our client approached us as he wanted to consolidate his outstanding debt and raise additional funds to carry out home improvements. His existing repayments for his £35,000 worth of debt with various lenders added up to more than £1,000 every month. As he was self-employed though, he had been previously declined by […]

News Product

New duo takes the reins at Clever Lending

September 09, 2019

Two new directors have been appointed to lead our ambitious plans for growth across the mortgage and lending market. Kevin Blount is now overseeing all our operational aspects as Director of Technical Operations, with Michelle Neville being responsible for delivering the sales strategy as Director of New Business. Kevin said: “After working at Clever Lending […]


Field-based sales managers appointed to support brokers across the UK

May 09, 2019

We’ve appointed two additional field-based sales managers as part of plans to enhance relationships and support their brokers across the UK. Stacey Woods and Tanya Legge have joined our team to provide training, support and advice on our range of specialist lending products to new and existing brokers across the North and South. Name: Stacey […]


Make the next Clever move in your career!

February 25, 2019

Make the next Clever move in your career! We’re looking for talented and experienced people to join the Clever Lending team! There are a number of roles available, including business development managers, advisers across mortgages, protection and specialist lending, along with admin support. If you’re enthusiastic and want to further your career within our fantastic […]


Transparent fees for second charge products

January 23, 2019

When it comes to fees, we’re providing transparency in the second charge market. We have two options for you to choose from and you can decide what structure is best for you and your client: Option 1 Application fee of only £495 for loans of any size and your client pays any subsequent costs, including […]


New Year, new buy-to-let limited edition product range

January 08, 2019

Clever Lending brokers can kick-start the New Year for their landlord clients with Pepper Money’s new 5 year fixed rate buy-to-let limited edition range, with rates starting from 3.28%. Limited Edition Range The range features a special flat fee option, which is available for 3.28% up to 75% LTV and has a completion fee of […]

second charge loan, debt consolidation, home improvement loan, unsecured debt loan

Increase in equity release opportunities for older people

December 05, 2018

With over 55s representing £1 trillion of housing wealth, later life lending could be the key to equity release for your older customers. FTSE100 financial services group Legal & General and Cebr reported that in May 3.1 million homes worth £938 billion were owned by over 55 year olds. This has now exceeded the £1 […]

mortgage transfer

Second charge opportunities in the untapped mortgage transfer market

November 20, 2018

Recent figures from UK Finance highlight an untapped mortgage transfer market for second charge solutions and opportunities for brokers to engage with clients when they’re thinking of transferring their mortgage internally from their current lender. In the first six months of 2018, 775,600 homeowners switched product with their existing provider – otherwise known as a product […]

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