Clever Lending forums reveal the growing need for specialist finance

July 02, 2018

Clever Lending, the specialist distributor, has seen a growing demand from brokers for ways to capitalise on lending opportunities that don’t fit the mainstream criteria. Recent forums revealed there’s still a clear demand for specialist lending, with many brokers seeing more customers with a feature of their finances that just takes them off the high […]

Clever Lending Services

The role of master brokers continues to evolve and expand

February 20, 2018

As a master broker with a vision to offer the very best service and product knowledge to introducers, Clever Lending has pushed on with diversifying the products we can select through a vast network of lenders in order to provide a complete service for sourcing, packaging and underwriting cases.   We now have the capability […]


New opportunities in development finance

November 16, 2017

We have a clear indication that the government are creating opportunities within the development sector that brokers should be looking to take advantage of.   In the Government’s housing white paper, it’s clear that they are keen to support the building of new houses across the UK, which is of no particular surprise to those […]

Clever Lending Services

Clever Lending arrange £212k loan for pharmacy premises purchase

September 21, 2017

Clever Lending, the master broker, has arranged a commercial mortgage for £212,850 for a client to purchase a semi-commercial premises to add upper level rental accommodation. The property comprises a retail unit, from which they already run their pharmacy business, with two upper floors on which the client is to complete refurbishment works to create […]


Giving landlords access to more options than the mainstream

June 27, 2017

Our specialist lending expert, Steve Sanderson, gives his view on the widening of lending options available to landlords…. Clever Lending are seeing a growth in enquiries whereby professional landlords are struggling to obtain buy-to-let finance from mainstream lenders. Reasons for this include a tightening of criteria by High Street lenders, more stringent stress testing and […]

Secured Loan Uncategorized

How we worked with Equifinance on a non-standard case

May 11, 2017

We worked closely with specialist second charge lender Equifinance to provide a customer with a £50,000 loan to carry out much needed home improvements. However, the case wasn’t straightforward. The customer’s first charge lender wouldn’t grant further borrowing and a re-mortgage wasn’t an option as the customer was on a preferential rate and favourable terms. […]

Secured Loan Uncategorized

Regulated bridging finance on the rise

April 10, 2017

We have observed a significant rise in regulated bridging finance in terms of both applications and completions in the second half of 2016, which is continuing into 2017. The reasons for the increase are several, and all concern the problems faced with the house buying process, supply shortages and rising house prices. Despite mortgage rates […]

Secured Loan Uncategorized

How we arranged £110k for a customer to settle tax liabilities

April 05, 2017

We recently helped a customer to settle impending tax liabilities from the HMRC with a second charge mortgage, despite the customer being self-employed and requiring the loan as a sole applicant although they were married. The case was referred to us by a broker who was authorised to provide advice, but the broker agreed that […]

Secured Loan Uncategorized

How second charges can help your clients with debt concerns

February 23, 2017

We’ve seen a sharp increase in broker enquiries on behalf of clients needing to get their credit profile back in shape at the start of 2017. Latest figures show household debt has risen to its highest level since just after the financial crash of 2008, Bank of England data shows. Personal debt grew 10.8% in […]

Secured Loan Uncategorized

Why master brokers can convert more cases for you

September 08, 2016

There are many reasons why brokers and IFAs should consider using a master broker to help them with their second charge cases. Since MCD, the role of the master broker has grown and we can now assist in even more ways, including compliant documents, improved processes, sourcing systems, expert underwriting and our access to a […]

Clever Lending Services Uncategorized
Clever Lending Blog

Sourcing Systems – supporting, not replacing the service

August 11, 2016

Clever Lending has recently launched their new Clever Sourcing system into the market place. It is an intermediary friendly tool that will allow advisers to quickly search and compare thousands of second charge products in the market and with all intents and purposes, enable them to easily identify further options available to their client. This is supported by other […]


Clever Lending tap into permitted development opportunities

January 06, 2016

Clever Lending, the master broker, announced today that they have increased their commercial finance business as a result of the Government making the permitted development rights permanent. Converting unused office space and light industrial units to viable housing, often in the form of flats or Houses in Multiple Occupancy (HMOs), is a vital strand of […]


Clever Lending on course for early MCD compliance

December 15, 2015

Clever Lending, the master broker, are well on the way to ensuring all of their staff, systems, processes and administration will be ready for the new MCD regulation prior to the March 2016 deadline. A dedicated training and competency team are working to ensure all Clever Lending staff will be CeMap qualified long before the […]


Case Study

November 04, 2015

Secured loans help clients rescue their finances Sonny Gosai, Sales & Operations Manager at Clever Lending, highlights how secured loans have a key role to play in resolving debt problems and even help clients retain their existing mortgage Clever Lending, has recently helped many clients rescue their finances from high monthly payments and offered lower […]

Secured Loan

To advise or not advise – second charge loans

October 22, 2015

With MCD starting to become a topic of choice, there are various interpretations running the mill, some of which are a true reflection of requirements and some which are perhaps a slight exaggeration. Whilst it’s true that from March 2016 second charge loans will fall under MCOB rules and need to abide by the same […]