Why are we so different from most lenders and other brokers, and how is it that we may be able to help you and they cannot? Very simply we are prepared to go the extra mile, and having built up an excellent relationship with Key Lenders who will accept a degree of Bad and Poor credit history, we will have a very good idea very early on, when we are aware of your credit history, if we can help you, and where your application may fit with our lenders.With four new lenders coming to the market this year 2015, and with a now very positive property market, the underwriting guidelines are slowly becoming more flexible.
What are our lenders looking for when they are making a decision to see if they can help you? The major difference with most of our lenders is that they will credit check you, to see what your credit file reveals, but they do not all credit score you. The decision to lend is made by an underwriter, a real person, not by a computer depending upon how many points you score. You are treated as an individual, how and when your problems occurred and how you have dealt with them will be taken into account, when our lenders consider your application. The mortgage market is constantly changing with lenders now competing for their market share, and clients will benefit from the new positive approach to lending that we are starting to enjoy.