Real rates from
a real panel.
CleverCompare puts your case to 50+ specialist UK lenders and comes back with what you can actually get — checked as a soft search, so your credit score stays yours.
- Loans, mortgages, bridging, equity release and protection
- Check eligibility without affecting your credit score
- Specialist lenders who price for adverse credit
Check your options across the whole panel in under 5 minutes — no impact on your credit score at this stage.
Our lender panel includes
+ many more
What can we help you with?
Representative rates shown. Your rate depends on your circumstances and credit profile.
Secured loans
Borrow £1,000–£2,000,000 against your home. Secured and unsecured options in one place.
Mortgages
Purchase, remortgage and buy to let, searched across 70+ lenders including adverse-credit specialists.
Bridging finance
Short-term funding for auctions, broken chains and refurbishment, with a clear exit strategy.
Equity release
Lifetime mortgages and drawdown plans for later-life borrowing, available from age 55.
Income protection
Replaces your income through illness or injury, tailored to your real monthly outgoings.
Life assurance
Cover for the people who matter most, including critical illness, with a fast application.
Comparing is free, we don't sell your details, and every fee is on the table — before you apply, not after.
There is no charge to compare, and nothing to pay to CleverCompare at any point. If you go ahead, your adviser at our partner firm charges their own fee on completion — it is shown in full next to every rate, along with the total you would repay including it.
Three steps, no surprises
Tell us what you need
A few quick questions about your situation. Takes minutes, and runs as a soft search only.
Advisers search the panel
An adviser at our regulated partner firm compares products across 50+ specialist UK lenders for your case.
You choose with confidence
Options with costs disclosed up front, and support all the way through to completion.
Before you ask
Will checking my eligibility affect my credit score?
Will checking my eligibility affect my credit score?
No. Initial checks are soft searches that leave no footprint on your credit file — visible only to you. A full credit search only happens when you formally apply, and it is flagged clearly before it does.
Is CleverCompare a lender?
Is CleverCompare a lender?
No. CleverCompare is an introducer — it does not lend or make lending decisions. Your case goes to lenders and advisers through the network, including Charles Frank Finance, who handle underwriting and regulated advice.
Can I get a loan or mortgage with bad credit?
Can I get a loan or mortgage with bad credit?
Often, yes. The panel includes specialists who price for adverse credit — defaults, CCJs, missed payments and historic IVAs. Outcomes depend on the product, the security and how recent the issues are.
How long does an enquiry take?
How long does an enquiry take?
Most eligibility checks take under 5 minutes. Bridging decisions in principle can come back in 24–48 hours. Mortgages and secured loans vary by lender and complexity — your adviser gives you a realistic timeline at the start.
What does it cost?
What does it cost?
Comparing is free and you never pay CleverCompare anything — our introducer fee comes from the lender or broker, and it does not change the rate you are offered. If you decide to proceed, the adviser handling your case charges their own fee on completion: £499 on a mortgage, £2,495 on a secured loan. Both are shown next to every rate, and are included in the total repayable figure, before you apply.
Do you sell my details to third parties?
Do you sell my details to third parties?
No. Your enquiry goes to the adviser handling your case and the lenders relevant to it. We do not sell contact details on to unrelated marketing lists.
Important: Information on this page is for guidance only and does not constitute financial advice. Credit is subject to status, affordability and eligibility. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. CleverCompare is an introducer appointed representative of Charles Frank Finance Limited, which is authorised and regulated by the Financial Conduct Authority. 18+. Terms apply.