Client stories

Real examples of tricky situations we’ve solved — anonymised, plain English, and focused on what changed.

Adverse credit • FTB

“Amit” — recent default & thin credit file

“We’d been told ‘computer says no’. They explained the issue and found a lender that looked at the case in context.”

Before

£180 default from 10 months ago
2 active credit cards, low limits
5% deposit saved

After

Lender that allows small, recent defaults
Deposit increased to 10% (gift)
Offer agreed subject to valuation

We positioned the default as an isolated event, strengthened the case with bank conduct, and selected a lender whose policy allows recent, low-value defaults with an increased deposit.

Self-employed

“Sarah” — one year trading, Ltd company director

“They explained which lenders can use my first year and how to present the accounts.”

Before

1 year trading, strong pipeline
Salary + modest dividends
Previous perm role in same field

After

Lender accepting 1 year accounts
Underwriting note on pipeline evidence
Offer at competitive LTV

We matched to a lender who accepts one-year Ltd company accounts where sector continuity and forward pipeline are clear. We packaged accountant’s letter + management info to support.

Visa / foreign national • FTB

“Nadia & Bilal” — Skilled Worker visa, short UK credit history

“Clear list of documents and a lender who understood our visas.”

Before

12 months in UK
Skilled Worker visas
Limited credit footprint

After

Lender happy with current visas
Letter from employer on permanency
Offer within 3 weeks

We focused on stable employment and clean bank conduct. Lender selected accepts shorter UK credit history where overall stability is strong.

Debt consolidation

“James” — multiple cards, heavy monthly commitments

“Restructuring the debt reduced outgoings and made the case viable.”

Before

£22k across cards/loans
High minimum payments
Missed payment 18 months ago

After

Lender allowing consolidation
Affordability improved
Clear plan to avoid repeat

We used a product that allows controlled consolidation within the mortgage, improving stress-tested affordability. Clear rationale and evidence of improved conduct were provided.

Contractor

“Elliot” — day-rate contractor, short gap between roles

“They found a lender who accepted my day rate and explained the gap.”

Before

Day-rate contracting
4-week gap last quarter
Fixed-term extension pending

After

Day-rate x multiple accepted
Gap evidenced (letters & bank)
Offer issued

Packaged with prior contract history, renewal confirmation and statements demonstrating continuity of income; selected a contractor-friendly lender.

Adverse credit

“Leah” — two late payments last year

“They explained the impact and placed us with a lender that was comfortable.”

Before

2 x late payments (12–14 months)
Clean since with good conduct
7.5% deposit

After

Lender that tolerates older lates
No extra loading required
Offer agreed

Presented context and payment track record; matched to policy that ignores older, lower-severity late payments with otherwise stable profile.

Think your case is too complex?

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*As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.