Specialist
Adverse credit
Defaults, CCJs, a missed payment three years ago. Declined elsewhere is where most of our specialist cases begin.
TYPICAL RATE FROM
5.84%
MAXIMUM LTV
80%
MINIMUM DEPOSIT
20%
LENDERS WE CAN USE
29
Who this suits
Anyone with a mark on their file. Severity and age both matter enormously: a satisfied default from four years ago is treated very differently from an unsatisfied one from last spring, and a missed mobile phone payment is not the same thing as a mortgage arrear.
What we do differently
We pull your file first and read it properly before making a single approach. Every declined application leaves a hard search, and a run of them makes the next case harder. One considered application beats four hopeful ones.
Size the case at this rate
The rate below is pre-filled from this product. Change anything else and watch what happens to the stress-tested payment.
Based on 4.5x income after commitments, stress tested 3 points above the pay rate. Lender criteria vary. An estimate, not a mortgage offer.