Clever Lending

Finding the right solution for all customers’ specialist lending needs

Clever Lending is an expert in specialist lending and one of the most trusted specialist distributors in the market. We’re experienced in the most complex of scenarios across a vast breadth of lending solutions and support intermediaries throughout the whole process.

Just talk a case through with Clever and we’ll help you find the right solution.

Deal with the client yourself or just refer

What Clever do

  • Second Charge Mortgages
  • Bridging Finance
  • Bridging Refurbishment
  • Specialist Buy to Let and Residential
  • Investment
  • Commercial Mortgages
  • Property Development (Ground up)
  • Full advice and recommendation available
  • Packaged only option

Why Clever  

  • Multiple lending options
  • Ability to find solutions – outside the box thinking
  • Personal service from a passionate team
  • Positive outcomes
  • CeMAP qualified advisers
  • Expert and experienced staff
  • Case tracking 24/7
  • Transparent charging
  • Top level commission payments
  • Fast commission payments
  • Referral by telephone, email or online

  • Loans from £5k to £1m
  • Poor credit history and arrears
  • Up to 35-year term
  • Multiple income sources or complex income
  • 100% + LTV (up to 140% for smaller loans)
  • Interest only options
  • Fixed rates (some with no tie ins)
  • Mortgage prisoners who need to capital raise
  • Up to age 85 (at the end of term)
  • 1st charge lender consent not always needed
  • Self-Employed
  • BTL
  • Debt consolidation
  • 3rd charge and cross-charge possible

A second charge mortgage is additional borrowing against a property which sits behind a main mortgage. The result is two separate loans secured against the value of a property, but the second loan will not affect the first.

Clever Lending has developed very close relationships with all second charge lenders to ensure we have a vast choice of products to suit our clients’ needs. These relationships help us discuss cases on their own merits rather than just fitting criteria.

  • Market-leading rates
  • Conversions and renovations
  • Ground up builds
  • UK and offshore limited company borrowers
  • No upper limit on loan size
  • Development locations throughout the country.
  • Single units or large multi-unit schemes
  • Products for first-time developers
  • Development exit loans

Bridging finance is a short-term funding option which ‘bridges’ the financial gap during a property transaction or development project. If your client needs to borrow money quickly for an interim period, then a bridging loan might be a suitable option for them.

A bridging loan is usually taken of over a short period, typically 12 to 24 months but can be longer.  It’s important to seek expert advice as some lenders do apply a penalty charges if the agreed term is exceeded.

Key factors considered by lenders are the:

  • Subject property (or properties)
  • Loan-to-value
  • Project plans
  • Exit (how is the customer going to repay, this could be by sale, refinance or obtaining funds from elsewhere)

  • Up to 75% LTV (85% with planning to change to residential)
  • Trading businesses and units
  • Title splitting
  • Off-shore clients
  • HMO’s with yield-based valuations
  • Flats above commercial
  • Multi-Unit Blocks
  • Low-yielding property
  • Purchasing below value
  • Holding Company Structures
  • Adverse Credit
  • Housing Charity Tenants

Just contact us to run a case past our expert specialist team

We offer competitive commission rates which will be agreed with you on quotation

  • Market-leading rates
  • Conversions and renovations
  • Ground up builds
  • UK and offshore limited company borrowers
  • No upper limit on loan size
  • Development locations throughout the country
  • Single units or large multi-unit schemes
  • Products for first-time developers
  • Development Exit loans

  • Available up to 75% LTV
  • Multiple units on one title
  • HMO/student lets –
    • investment valuation/ brick and mortar valuation
  • Holiday lets
  • Portfolio finance
  • Blocks of flats
  • Any residential property being used for investment purposes

Working together to make things easier for you

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 on your behalf - whichever you prefer.

Get to know us

Speak to our team to find out more about our extensive lender panel and access to market-leading rates.
Just get in touch by either calling 0800 316 2224 or emailing [email protected].