Real Mortgage Approvals
Real mortgage approvals from real clients. Names and some details changed for privacy, but the situations, challenges, and approvals are exactly what happened.
These stories show what's possible with the right adviser - even when high street banks say no.
Mortgage Case Studies
£285,000 mortgage approved despite 3 defaults from 2 years ago. Clean credit since then plus 15% deposit made the difference.
Homeowner with £1,200 CCJ from 3 years ago remortgaged to release equity. CCJ satisfaction certificate was key to approval.
Contractor with 2-year-old defaults approved for £295,000 mortgage. Day rate income calculation and strong deposit offset the credit history.
Ltd company director with 18-month-old CCJ approved using retained profits to boost income calculation. Now on track to remortgage to standard rates.
Director taking low dividends was initially assessed at £55k income. We found a lender who added retained profits, increasing assessed income to £95k.
Director with only 12 months' trading approved after we found a lender who accepted his previous employment experience in the same sector.
Could You Be Our Next Success Story?
Every case study started with someone thinking they couldn't get a mortgage.