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Our Products

Bridging Loans

For chain breaks, refurbs and purchases, we can quickly structure regulated and unregulated bridging loans, across a 1st, 2nd or cross-charge basis.

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Commercial Mortgages

For owner-occupiers and investors, we look at the business behind the numbers and apply affordability that reflects the lease.

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Development Finance

For construction, conversions and heavy refurb, we take time to understand the project, apply sensible LTGDVs, and can release funds in step with build progress.

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Buy-To-Let Mortgages

From single lets to MUFBs, HMO and complicated tenant profiles, we will structure a solution that makes sense to your client from day one.

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Specialist Circumstances

From social housing leases and complex securities to layered company structures and adverse credit – those cases that fall outside of standard criteria.

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Inheritance/ Executor Loans

For beneficiaries and executors who need funds before an estate is realised – raise up to 50% of future inheritance within days.

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We’re called Clever Lending for a reason. We work with lenders that aren’t available to every broker and have access to the most competitive rates on the market, meaning we can find a solution for almost any client scenario.

And when we do, we’ll come back quickly with what is realistic, what isn’t, and exactly why. 

Straightforward and well-structured finance – exactly the kind of clever thinking you’d expect from Clever Lending.

Get A Quote

Send us a quick outline of your case: property type, amount and timescales, along with any quirks, and we’ll come back within 24 working hours with a clear route forward for your client.

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Our Pledge To You

Straight Answers

You don’t need a sales pitch, you just need an answer.  That’s why we are committed to giving you no-nonsense guidance. Simply share the key details of your case, and we will come back within 24 working hours with a clear route for your client and a transparent view of the next steps.

Expert Knowledge

We know the property finance market inside out. From the latest products and rates to which lenders are most likely to support your client’s application, our aim is to only place your case once. And we will always gather the full details before charging any fees or making a recommendation.

Dedicated Support

You will have your own case manager and advisor who owns your case from day one. They will track progress with the lender, so you don’t have to chase and will keep you updated at every stage. They also package everything clearly, so it doesn’t get re-underwritten halfway through and cause delays.

Your client Stays Your Client

We operate strictly through you and never around you. We will never contact your client directly, at least not without your prior consent, and we don’t touch follow-on business without looping you back into the conversation.  With us, your client will stay your client. Full stop.

Testimonials

As a whole of market broker who only deal with 1st charge mortgages, sometimes my clients need specialist finance from commercial to bridging loans, to enable them to buy their dream home or investment property. As I can’t facilitates this I need a specialist broker to help me. In comes Matt.

Who I recommend is a direct reflection on me so is important I get this right. The biggest hurdle was finding the right person who I can trust to look after my clients & ensure they work alongside me to get the right outcome. Matt is so experienced, knowledgeable, and approachable meaning I always feel comfortable & confident when I recommend Matt to my clients. They all sing his praises around how great he has been with them explaining everything so they understand it & what to expect now & in the future through the whole process & beyond. He gets the results which is what everyone realty wants.

Jenny

Advisor

I have worked with Matthew for many years sourcing bridging options for my clients….I have found the service and response times to be exceptional; it is thanks to Matthew that I have been able to keep my clients happy with as his turnaround times reflect on me.

Richard

Specialist Mortgage Adviser

I have used Clever lending for many years and have always found them superb. Nicki in particular is proactive, quick to respond, takes ownership and most importantly takes a positive approach to overcoming problems. She is our own unofficial extra member of staff.

Thanks to Nicki and her team I have placed a number of seemingly impossible or very difficult cases.

I look forward to continuing to work with them in the coming years.

Stuart

Mortgage Broker

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