Clever Mortgages are a Totemic direct-to-consumer offering, specialising in mortgages and mortgage protection, with vast experience in helping those with bad credit. At Clever Mortgages, we independently explore 1000s of products across high street and specialist lenders to help find the most suitable solution for our customers. In 2018 Clever Mortgages arranged over £130m of mortgages at market leading rates, despite some of our customers being previously turned away by major high street lenders.

we do

Our team support customers, keeping them updated throughout the process. We take details from them initially about their financial situation, and find out about their mortgage requirements – we then use our expertise to find the right mortgage solution from one of our trusted 

As well as mortgages, we also offer insurance products, covering:

  • Critical illness cover
  • Mortgage protection
  • Income protection

By working with such a wide variety of lenders, we have plenty of resource to find a good deal for customers – across a wide range of situations and circumstances. Our team are experienced in finding out the right information from customers, to decipher what the best solution will be for them in the long term. We have a strong relationship with our lenders too, and know fully which situation each will work best for. 

we work with

We work closely with over 100 lenders and can find the most suitable solution from over 1000 products. 

In particular, we’re known for helping customers:

  • With bad credit and complex financial circumstances
  • To get back on track financially with a new mortgage deal
  • To remortgage, and save money every month

We’ve helped 1,000’s of customers get the perfect mortgage – specialising in helping people with bad credit.