Clever Advice Mortgages
Luton
Mortgage advice covering self-employed. Clever Advice Mortgages has not recorded a fee structure.
Main contact
About Clever Advice Mortgages
Clever Advice Mortgages is a UK mortgage broker based in Luton. Its website describes mortgage advice for self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Clever Advice Mortgages records one area of mortgage advice on MortgageMatch: self-employed. The firm is listed in Luton.
A single recorded area does not necessarily mean a narrow practice — it may just be what the firm chose to list. Ask what else Clever Advice Mortgages handles.
Self-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Clever Advice Mortgages
Tailored to this listing.
- 1You list self-employed — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 4Do you see clients at your Luton office, or is this handled by phone and video?
Getting in touch with Clever Advice Mortgages
Clever Advice Mortgages lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Clever Advice Mortgages charge for mortgage advice?
Not recorded on this listing — ask Clever Advice Mortgages directly, as it must tell you before you commit.
What types of mortgage does Clever Advice Mortgages handle?
Clever Advice Mortgages records self-employed, working from Luton. Ask anyway if your case sits outside that list.
Does Clever Advice Mortgages work with self-employed borrowers?
Yes — self-employed lending is one of the areas Clever Advice Mortgages lists. Have your last two to three years of accounts or SA302s and corresponding tax year overviews ready. The figure you can borrow depends heavily on which lender is used, because they treat retained profit, dividends and contract income very differently.
Does Clever Advice Mortgages only cover Luton?
Clever Advice Mortgages is listed in Luton, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Luton on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.