Clever Lending are a master broker focused on delivering second charge, commercial and bridging loans for major mortgage brokers. Launched mid-2014 and based in Grantham, Lincolnshire, and part of the Totemic Group we utilise the resources of our parent company and knowledge within the financial services market place.

Our extensive experience and market knowledge mean we understand the challenges our client’s customers may face in sourcing suitable financial solutions. At Clever Lending, we help brokers quickly meet client needs, and with identifying more income opportunities.

we do

We support financial advisers with our expertise across specialist loans, commercial mortgages and bridging finance. We’re a specialist distributor providing lending solutions to suit a range of needs. We:

  • Work with brokers to identify complex financial solutions not available via usual channels to help the broker  find the best-fit and affordable solution for their customers
  • Partner with lenders who together offer a vast range of second and first charge, and commercial and bridging products 
  • Offer bespoke niche products to suit more unusual and challenging circumstances

We work across channels: Online, telephone or face to face if required. Our new cloud based system Clever+ enables clients to: 

  • Register with us
  • Submit a case
  • Track your case

Our commission structure is a true 50/50 split – we don’t take any further fees off the lender commission and broker fees, keeping things simple and clear.

we work with

We work with major mortgage networks as well as independent brokerages across the UK, providing them or their customer directly, with specialist lending advice. With access to a wide range of specialist lenders, we arranged over £100 million of Commercial and Bridging finance last year, and we are set to double this in the coming year.

We arranged over £100 million of Commercial and Bridging finance last year