Product FAQs

For Bridging Finance there is no maximum

For Commercial Finance there is no maximum

Yes, we can provide an indicative quote for you to present to your customers before we complete the relevant searches. Just contact us to discuss this or log into Clever+ and submit the details you have now – you can always provide more when you have them. If you haven’t registered with us yet, you can do so here in just a couple of minutes.

We consider all cases individually and most lenders on our panel will accept SA302s as proof of income if they don’t have an accountant or accountant certificate. SA302s can also be accepted if self-employed customers need their applications to be based on their most-recent income, rather than an average of the past two years.

YES! We can help customers in almost any situation, even if they have a less than perfect credit score. All enquiries are reviewed individually, and we will use our expertise to approach the lenders we know will consider each case. Even if your customers have had bad credit on previous finance, missed payments or are in a debt management plan for example, we will be able to find them the most suitable lending solution based on their needs.

Clever Lending FAQs

Clever Lending is a specialist packager and master broker which delivers, commercial mortgages, bridging & Development finance and specialist buy to let mortgages. It is a trading style of Financial Makeover Ltd, which is part of the Totemic Group.

We have a comprehensive panel of lenders covering most of the market which provide access to over 500 lending products.

It’s easy and quick to register with Clever Lending. Simply go to the Clever+ registration page and fill in a few details and you will be registered straight away. This gives you access to our extensive product range and so much more!

Clever+ is our online broker portal which assists you by providing a smarter way of working. You can access case tracking 24/7 and submit your enquiries to us – saving you time.

You can submit all your enquiries by either calling us (0800 316 2224), by email (candb@cleverlending.co.uk), by using our online forms or via Clever+

Clever+ allows you to:

Submit an enquiry at any time from any device

Track all cases 24/7 with real-time case-alerts by SMS messages and emails

Upload documents so all information is saved in one secure place, which can be accessed quickly and easily

We take a flexible approach to ensure we provide support in a way that suits you. We can either work with you on a case or are happy to deal directly with the customer, including giving the advice when required.  We will keep you up to date on how it progresses – whichever route you prefer.

You can track all your cases, ranging from simple enquiries to completed applications, by logging into Clever+. Your dashboard will display real-time information about all cases, including their status and you’ll also receive case alerts via SMS messages and emails as they progress.

It depends what type of loan your customer has applied for, there circumstances and the complexity of the transaction.  A bridging loan for example can be turned around in just a few days, where as commercial mortgage could take a few months. You can always help the process by providing as much information as you can when you first submit the enquiry. There are other external factors involved, but we will always work to complete your applications as smoothly and quickly as we can.

We offer a competitive commission structure which will be discussed with you when quote terms are provided.  Commission is paid after deducting application costs, such as conducting credit and land searches, bankruptcy searches, references from first charge mortgage providers and valuations.  Not every case needs all of these.

For commercial and bridge completions, we pay once fees are received from the customer (if charged) and any payment from the lender.

We’re fully authorised and regulated by the Financial Conduct Authority which means that our dedicated compliance team ensure all the products we offer and processes we have in place meet regulatory requirements – taking the pressure away from you.

Register with us

Register as an introducer to start submitting business with us.

Submit a Case

Login and submit a case with Clever Lending

Track your case

Keep up to date with your cases quickly and easily.



Latest lending criteria.