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 […]


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 […]

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

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 […]

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 […]

New seamless application process set to be introduced for brokers

New seamless application process set to be introduced for brokers

July 30, 2018

Clever Lending has partnered with One Mortgage System (OMS), the seamless single-input enquiry to completion processing platform for brokers. Sam Kirtikar, Managing Director of Clever Lending, said: “OMS capabilities will not only make our case packaging process much more efficient, but also improve the application process for both brokers and customers. “The increasing number of […]


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 […]


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
mortgage transfer

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 […]