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 […]

Clever Lending Services Product
First Class Second Charge

Economic uncertainty drives a second charge finance rise

November 05, 2018

An increase in the second charge market suggests economic uncertainty could be encouraging more people to make home improvements, rather than move to another property, new figures reveal. Second charge data from specialist distributer, Clever Lending, shows there’s been an 8.4% increase in people applying for second charge finance in the first half of this […]

Clever Lending Services Product

Product update from The Mortgage Lender

October 18, 2018

One of our partners The Mortgage Lender has made some important updates to its products and services. The full details of these changes are outlined below. Please be aware that there are no BTL changes at this time.   What’s being removed? Current residential products have been withdrawn and replaced with a completely new range […]

mortgage broker, regulated bridging, unsecured loan

Please vote for Clever Lending in the Mortgage Introducer Awards

October 03, 2018

At Clever Lending we’re always looking to improve our service and listen to the requirements of our introducers. As part of this, we’ve been shortlisted  for this year’s MI Awards. We would be delighted if you could spare a few minutes to vote for us as recognition for our continued efforts. We’re nominated in two […]

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

Step One lowers rates and improves product range

October 03, 2018

Step One Finance has lowered rates on many of its second charge products by as much as 2% and made major improvements to its lending criteria including new products and changes to assessment of adverse units for secured and unsecured credit payments. These latest product enhancements continue to help you maximise the opportunities to serve […]


Clever Lending now provides in-house regulated bridging finance advice

September 24, 2018

Clever Lending is now offering in-house advice to brokers on regulated bridging following increased demand which has seen its funding almost treble in this area over the past year. The specialist packager and distributor’s success in this sector has driven Clever Lending to appoint a new expert team to give direct regulated bridging advice to […]


A growing demand for regulated bridging loans

September 10, 2018

Despite growing demand for regulated bridging loans, we’re still meeting brokers who don’t feel equipped to take full advantage of the enquiries they get for this type of finance. Here at Clever Lending, we’ve seen a huge increase in regulated bridging enquiries this year and have assisted many brokers to deliver positive outcomes for even […]

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

Make Clever Lending your 1st Stop for homeowner loans!

September 06, 2018

1st Stop Home Loans has improved product criteria to help even more of your customers. With second charges from £5,000 to £50,000, subject to customers’ circumstances, they can be used for major purchases such as a new car, home improvements like redesigning the kitchen or consolidating debt. The improved criteria updates include: • 3rd charge […]

mortgage, loan, bad credit loan, bad credit mortgage

Pepper Money products now on our panel

August 30, 2018

We’re delighted to announce our partnership with Pepper Money, which gives our broker partners access to their full range of specialist residential and buy-to-let mortgage products. Pepper Money provides a perfect complement to our packaging service by offering flexible criteria and direct access to its team of skilled underwriters to deliver competitive solutions for brokers’ […]

Clever Lending Services Product
remortgage, second charge, mortgage

Second charges are still the first choice for many

August 28, 2018

Second charges opportunities are growing for homeowners looking to raise capital for a variety of reasons such as property improvements, debt consolidation, a one-off event or purchase. The market as a whole is in good shape, with the FLA reporting that second charge new business volumes are up in the first half of 2018 by […]

Adverse credi

Increased LTVs, reduced rates and increased maximum loan sizes

August 10, 2018

New products for clients with recent adverse are now available. Spring Finance – the second charge credit repair lender – has increased its maximum LTV to 75% and maximum loan size to £150,000. Other features include: Arrears on subsequent charges ignored Up to six months’ current mortgage arrears accepted @ 70% LTV Up to £150,000 […]


Property auction finance, big opportunities for brokers

August 03, 2018

As landlords and developers are increasingly using limited companies to acquire buy-to-let investments, clients buying at a property auction offer the potential for brokers to increase the number of bridging finance cases they can complete. The trend of buying property at an auction house is mirroring that within the wider landlord sector and should be […]

Clever Lending Services