Bridging can help ‘beat the stamp duty holiday rush’

November 18, 2020

We’re encouraging brokers to consider regulated bridging loans, as a solution for delayed property purchases, if a chain has broken or completion is looking unlikely to be achieved before the end of the Stamp Duty Land Tax (SDLT) holiday. Our team believes regulated bridges are a great short-term solution to make sure delayed transactions are […]

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Why a Second Charge Mortgages

May 19, 2020

A second charge mortgage is additional borrowing against a property which sits behind a main mortgage. The result is two separate loans secured against the value of a property, but the second loan will not affect the first. A second charge mortgage can be used for many purposes, some of which are listed below. Second […]

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Bridging loans – The Facts

May 19, 2020

May 2020 Bridging finance loans are short term finance to ‘bridge’ the gap until the main finance is available, such as a term mortgage or the property is sold, following say a renovation. Bridging loans normally run from a minimum 1 month to a maximum of 24 months and borrowing limits ranging from £50,000 up […]

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Lending, mortgage and business support options during the Coronavirus pandemic

March 27, 2020

Following the announcement from the Government on an effective ‘lock down’ for the UK, we wanted to reassure you that the team at Clever Lending is fully operational and working from home. We want to make sure you’re kept up-to-date with what’s going on regarding lending, support available for businesses and people’s finances in general. […]


Coronavirus update from Clever Lending

March 24, 2020

Coronavirus update from Clever Lending We understand that these are worrying times, and people are doing their best to look after themselves, family and friends. There’s lot of uncertainty, and we appreciate many people may be wondering how their mortgages, loans, and finances in general, could be affected during – and after – this pandemic. […]


Bridging the funding gap

March 11, 2020

Client story The client had already purchased a share in a business and needed to buy the second share by a pre-set date. Her original funding plan had been delayed and needed to source the finance required before the looming deadline. As well as her main home, she also owned a holiday property. Applying our […]


More reasons to choose secured loans for your clients

March 04, 2020

Customer story This case was sent to us by the broker as their clients wanted to consolidate £6,000 worth of existing unsecured debt and raise the funds needed to carry out home improvements. Mr D was self-employed, and Mrs D was in receipt of Working and Child Tax Credit, DLA and Child Benefit. The couple […]


Commercial property lending set to support economic growth of Lincolnshire

March 02, 2020

Property developers across Lincolnshire can now source funding for their commercial projects as part of a new service to support ambitious regeneration and economic growth plans across the region. We’re now providing finance solutions for property developments of any size – along with expertise in presenting robust business plans to lenders. Our commercial lending experts […]


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 […]

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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 […]

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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 […]

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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 […]

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