What is a second charge mortgage? A second charge mortgage sits below the first mortgage and is secured against the property. A second charge mortgage can help fund a number of things, from home improvements, holidays or more commonly provide a debt consolidation source. The result is two separate loans secured against the value of […]
Why a bridging loan? Having the ability to purchase a property quickly can have advantages such as negotiating a good price when buying a property and beating competitors to the deal. But many people aren’t in a position where they are able to get quick access to their cash, especially if it’s tied up in […]
What is a Commercial Mortgage? A Commercial Mortgage is often thought of as a loan taken out against a business property such as an office, hotel, warehouse or café for example. But it’s important to remember lenders will consider many types of property investment business, including residential investment property, often referred to as Specialist Buy […]
As a first charge packager dealing in niche lending we understand that not every mortgage application is simple. There are many factors that affect a mortgage application whereby the lender may decline due to the case not fitting mainstream lending criteria. Clever Lending have access to a comprehensive panel of specialist lenders that on many […]
Why a second charge Buy-to-Let? If you have a client who is a landlord then they can take out a second charge buy-to-let loan on their investment property if they need to raise finance for home improvements or require capital to finance a new opportunity. Clever Lending have close relationships with the main lenders in […]
Please complete the enquiry form below to submit a commercial and bridging enquiry. A member of the Clever Lending team will then get back to you as soon as possible to discuss your enquiry further. Please provide any relevant further information in the notes section.