Clever Mortgages

Clever Mortgages We think it should be as easy as possible for you to get the right mortgage. Whether you’re a firs

Whether you’re a first-time buyer, buying an investment property or looking to remortgage, our aim is to make getting a mortgage as comfortable and stress-free as it can be.

🌟 MAY ROUND UP 🌟What a month it has been at Oak Mortgages!We're incredibly proud of everything our team has achieved thr...
02/06/2026

🌟 MAY ROUND UP 🌟

What a month it has been at Oak Mortgages!

We're incredibly proud of everything our team has achieved throughout May, including:
🏡 Welcoming new brokers to the Oak family
🏆 Celebrating awards, achievements and recognition across the business
📈 Setting new records and reaching exciting milestones
❤️ Supporting and helping numerous clients on their homeownership journeys
🚀 Building momentum for even bigger things ahead

None of this would be possible without the hard work, dedication and passion of our amazing brokers, support teams, business partners and clients.

Thank you for being part of our journey and helping make May one to remember.

We're excited for what the future holds as we continue to grow, innovate and support more clients across the UK.
Here's to another month of success! 🌳

Wishing our very own Amanda Hoppe a very happy birthday today.So very happy to have you as part of our team Amanda, enjo...
31/05/2026

Wishing our very own Amanda Hoppe a very happy birthday today.

So very happy to have you as part of our team Amanda, enjoy your day.

𝐌𝐞𝐞𝐭 𝐨𝐮𝐫 𝐀𝐝𝐦𝐢𝐧 𝐓𝐞𝐚𝐦Behind every mortgage application is a team working hard to get clients moved, protected and into the...
29/05/2026

𝐌𝐞𝐞𝐭 𝐨𝐮𝐫 𝐀𝐝𝐦𝐢𝐧 𝐓𝐞𝐚𝐦

Behind every mortgage application is a team working hard to get clients moved, protected and into their new homes 🏡

From chasing solicitors and lenders, to calming nerves and answering panicked emails at 7pm 😅 — our team genuinely cares about every case we handle.

We’re proud to have built a business where clients are never “just a number”.

Think gambling transactions on your bank statements mean you can’t get a mortgage? 🎰🏡That’s not always true.We regularly...
27/05/2026

Think gambling transactions on your bank statements mean you can’t get a mortgage? 🎰🏡

That’s not always true.

We regularly help clients with:

✔ Gambling transactions
✔ Missed payments
✔ Defaults & CCJs
✔ Payday loan history
✔ Complex credit profiles

Many high street lenders say no automatically, but specialist lenders look at the bigger picture.

At Oak Mortgages & Clever Mortgages, we understand real-life finances and help clients find mortgage solutions without judgement.

If you’re worried about your application, speak to our specialist team today.

📞 0330 232 0285
🌐 www.oakmortgages.co.uk; www.clevermortgages.co.uk

𝐇𝐚𝐩𝐩𝐲 𝐁𝐚𝐧𝐤 𝐇𝐨𝐥𝐢𝐝𝐚𝐲 𝐖𝐞𝐞𝐤𝐞𝐧𝐝Whether you’re house hunting, BBQ-ing, decorating, or just enjoying a well-earned break, have ...
22/05/2026

𝐇𝐚𝐩𝐩𝐲 𝐁𝐚𝐧𝐤 𝐇𝐨𝐥𝐢𝐝𝐚𝐲 𝐖𝐞𝐞𝐤𝐞𝐧𝐝

Whether you’re house hunting, BBQ-ing, decorating, or just enjoying a well-earned break, have a fantastic Bank Holiday weekend from all the team at Oak Mortgages & Clever Mortgages ☀️🏡”

❌ “𝐌𝐲 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞 𝐢𝐬 𝐭𝐨𝐨 𝐥𝐨𝐰 𝐟𝐨𝐫 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞.”That’s exactly what one of our recent clients thought…With a credit score ...
18/05/2026

❌ “𝐌𝐲 𝐜𝐫𝐞𝐝𝐢𝐭 𝐬𝐜𝐨𝐫𝐞 𝐢𝐬 𝐭𝐨𝐨 𝐥𝐨𝐰 𝐟𝐨𝐫 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞.”

That’s exactly what one of our recent clients thought…

With a credit score of just 566, historic defaults and previous payment issues, they believed homeownership was completely out of reach. But after speaking to the specialist team at Oak Mortgages and Clever Mortgages, we looked beyond just the numbers.

We took the time to understand:

✔ What caused the issues
✔ How their finances had improved
✔ Their affordability today
✔ The full story behind the credit file

The result? 🏡

They’re now about to collect the keys to their new home.

A low credit score does NOT always mean an automatic decline.

At Oak and Clever Mortgages, we specialise in helping clients with:

✔ Defaults
✔ CCJs
✔ Missed payments
✔ Debt management plans
✔ Low credit scores
✔ Complex circumstances

If you’ve been told “no” elsewhere, or you’re worried your credit history is holding you back, speak to our friendly specialist team today.

You may have more options than you think 💚

📩 Message us today
📞 Free initial chat
🌐 www.oakmortgages.co.uk, www.clevermortgages.co.uk

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

🎉 Happy Birthday Sarah! 🎉A huge Happy Birthday to our wonderful Sarah from all of us at Oak Mortgages 💚Thank you for eve...
18/05/2026

🎉 Happy Birthday Sarah! 🎉

A huge Happy Birthday to our wonderful Sarah from all of us at Oak Mortgages 💚

Thank you for everything you do for the team, our clients and the business. Your hard work, support and passion never go unnoticed, and we’re lucky to have you as part of Team Oak! 🥳

We hope you have an amazing day filled with lots of celebrations, laughter and cake! 🎂✨

Love from everyone at Oak 💚

✨ 𝐄𝐔𝐑𝐎𝐕𝐈𝐒𝐈𝐎𝐍 𝐍𝐈𝐆𝐇𝐓 ✨The sequins are out, the snacks are ready, and the team are preparing to take their judging duties ...
16/05/2026

✨ 𝐄𝐔𝐑𝐎𝐕𝐈𝐒𝐈𝐎𝐍 𝐍𝐈𝐆𝐇𝐓 ✨

The sequins are out, the snacks are ready, and the team are preparing to take their judging duties VERY seriously… 👀🎤😂

Tonight’s agenda:

⭐ Score the performances
⭐ Argue over the votes
⭐ Sing badly to every chorus
⭐ Pretend we know all the words
⭐ Decide who gets our legendary “12 points” 🏆

Safe to say the office dress code has definitely changed for the evening 💃🕺✨

🏡 𝐂𝐨𝐮𝐥𝐝 𝐚 £𝟓,𝟎𝟎𝟎 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 𝐫𝐞𝐚𝐥𝐥𝐲 𝐠𝐞𝐭 𝐲𝐨𝐮 𝐨𝐧 𝐭𝐡𝐞 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐥𝐚𝐝𝐝𝐞𝐫?Big news this week as Halifax launched it's £5000 deposit...
15/05/2026

🏡 𝐂𝐨𝐮𝐥𝐝 𝐚 £𝟓,𝟎𝟎𝟎 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 𝐫𝐞𝐚𝐥𝐥𝐲 𝐠𝐞𝐭 𝐲𝐨𝐮 𝐨𝐧 𝐭𝐡𝐞 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐥𝐚𝐝𝐝𝐞𝐫?

Big news this week as Halifax launched it's £5000 deposit mortgage.

For many buyers, especially first time buyers, saving a huge deposit has been the biggest challenge. But the mortgage market is changing, and there may now be more options available than you think.

✅ Smaller deposits
✅ First time buyer options
✅ Some lenders considering 95%+ borrowing
✅ Help for renters wanting to buy sooner

Of course, every lender has different criteria, affordability checks and credit scoring, so it’s important to get proper advice before applying.

If you’ve been sitting there thinking:

❌ “I don’t have enough deposit”
❌ “My credit isn’t perfect”
❌ “I didn’t think I’d qualify”

… it may be worth having a conversation.

At Oak Mortgages & Clever Mortgages, we specialise in helping clients understand what’s possible, even if they’ve had previous blips or thought buying was out of reach.

📩 Message us today for a friendly, no-pressure chat.

Your home may be repossessed if you do not keep up repayments on your mortgage.

𝐖𝐨𝐫𝐫𝐢𝐞𝐝 𝐲𝐨𝐮𝐫 𝐩𝐚𝐬𝐭 𝐜𝐫𝐞𝐝𝐢𝐭 𝐛𝐥𝐢𝐩𝐬 𝐜𝐨𝐮𝐥𝐝 𝐬𝐭𝐨𝐩 𝐲𝐨𝐮 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞? 🏡You are not alone and it may not be as bad as you thi...
15/05/2026

𝐖𝐨𝐫𝐫𝐢𝐞𝐝 𝐲𝐨𝐮𝐫 𝐩𝐚𝐬𝐭 𝐜𝐫𝐞𝐝𝐢𝐭 𝐛𝐥𝐢𝐩𝐬 𝐜𝐨𝐮𝐥𝐝 𝐬𝐭𝐨𝐩 𝐲𝐨𝐮 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞? 🏡

You are not alone and it may not be as bad as you think.

At Oak Mortgages & Clever Mortgages, we specialise in helping clients who have:

✔ Missed payments
✔ Defaults or CCJs
✔ Debt management plans
✔ Payday loan history
✔ Low credit scores
✔ Previous financial difficulties

Many people assume they’ll automatically be declined… but that simply isn’t always true.

One of the best first steps is completing a Decision in Principle (DIP). This gives you an early indication of whether a lender may accept you, helping you understand your options before you start house hunting or remortgaging.

Most importantly, we understand that life happens. Our advisers take the time to look at the full picture, not just a number on a credit report.

✅ Friendly, supportive advice
✅ Specialist lenders available
✅ No judgement
✅ First-time buyers, movers & remortgages
✅ Help understanding your credit profile

If you’re nervous about applying, let’s have a chat and explore your options together.

0330 232 0285
Message us today
visit us at www.oakmortgages.co.uk or www.clevermortgages.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Kempton House
Grantham
NG317LE

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