We’re specialists in property finance across commercial mortgages, bridging and development loans, auction finance, and portfolio buy-to-lets.
Whether you’re a broker looking for a quick lender-ready view or a borrower funding your first purchase or growing a portfolio, we give straight answers and clear assessments, so you know exactly where you stand from day one.
Working with a wide network of lenders, we will match the right funding for your requirements and keep the process on track from enquiry to completion. That’s how we deliver straightforward and well-structured finance – exactly the kind of clever thinking you’d expect from Clever Lending.
James is known for his clear thinking and calm, no-nonsense approach. With over 25 years in the property and mortgage world, there’s not much he hasn’t come across.
He started out in valuations at Your Move, spent seven years advising at Wright Mortgage, and has led BB Mortgages (part of Clever Lending) since 2012. Over that time, he has built solid relationships across the market and earned a reputation for getting things sorted quickly and without the runaround.
Level-headed and experienced, James brings clear direction and consistency to the business.
With years of hands-on experience across commercial and bridging lending, Steve’s built a reputation for giving straight answers and cutting straight to the heart of the matter quickly, and when it counts.
He’s worked across several specialist lenders and brokerages before joining Clever Lending in 2017, and brings first-hand experience in property development, including HMOs, commercial projects, and complex conversions – so he’s seen most client scenarios and knows exactly how to structure a fitting solution.
Pragmatic and sharp, Steve’s the one brokers rely on when they need a straight answer.
Matthew is known for his sharp financial structuring skills and his ability to cut through complex cases quickly. With a background in investment banking and fixed income trading, he brings a level of technical insight that gives brokers and clients real clarity on their options.
Before joining Clever Lending in 2018, Matthew worked in frontline banking with NatWest and as a residential valuer, giving him a strong foundation in both client relationships and property know-how. Since then, he’s specialised in commercial mortgages, both regulated and unregulated bridging, and development finance.
Analytical and sharp, Matthew combines deep market knowledge with a practical, lender-savvy focus.
Nicki is known for saying it how it is and knowing her stuff inside out. With over 20 years in financial services, she’s worked across just about every corner of the industry – from IVAs and pensions to commercial and regulated bridging finance, as well as inheritance and executor loans.
She joined Clever Lending in 2019, bringing all that experience together to help brokers and their clients achieve the right outcome, first time. She knows the specialist lending process inside out and isn’t fazed by either a tricky case or a tight timeline.
Focused, determined and right on the detail, Nicki’s on it from start to finish, making sure every deal gets the attention it deserves.
Mark is known for keeping cases organised and on track. With over seven years at Clever Lending, he’s a key link between our brokers, lenders, surveyors, and solicitors – making sure every stage runs smoothly.
Since joining Clever Lending in 2018, he has built a reputation for being thorough, dependable, and quick to spot what a case needs to stay on course. His calm approach and attention to detail mean brokers trust that once their case is with Mark, it’s in safe hands.
Reliable and meticulous, nothing gets past him- Mark makes sure every case gets exactly where it needs to go.
