Specialists in complex cases and credit challenges
We help clients who’ve been told “computer says no” — whether that’s past missed payments, defaults, or income that doesn’t fit a neat box. Straightforward explanations, careful case packaging, and access to a wide panel of lenders.
What we do differently
Every case gets a thorough pre-assessment. We map your credit file, income, and goals, then match to lenders whose criteria genuinely fit.
Bad credit considered
Defaults, CCJs, arrears — assessed in context, with clear lender options.
Complex income
Self-employed, limited company, variable pay, benefits and pension income.
First-time purchases
Step-by-step guidance and realistic affordability checks from the outset.
Straight answers
Upfront feasibility, no false promises, and transparent next steps.
Methodical, thorough, and on your side
- ✓ Detailed credit-file read with a clear summary you can understand.
- ✓ Lender criteria matched to your exact profile, not guesswork.
- ✓ Honest feasibility — we’ll tell you if it’s a “not yet” and what to fix.
- ✓ Case packaging that answers underwriters’ questions before they ask.
- ✓ Regular updates via call, email, or message — your choice.
What to expect
1) Discovery. A short call to understand your situation and goals.
2) Document check. We review payslips, bank statements, and your credit report.
3) Lender short-list. Options filtered to criteria that actually fit.
4) Decision in Principle. A realistic DIP before full application.
No surprises — just a clear path and timescales.
Got questions? Let’s talk through your options
Send over a few details and we’ll outline what’s realistic — and what to do next if it isn’t yet.
Start an enquiry*As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.