Some applications need a lender that can consider different evidence, risk or circumstances. We help identify the issue before choosing where to apply.
Non-conforming or specialist loans are designed for borrowers or properties that do not meet some mainstream lender policies. They are not a way to hide information or bypass affordability requirements.
Specialist loans can have higher rates, fees, deposit requirements or restrictions. A suitable plan should include the reason for using the loan and, where realistic, what needs to improve before a future refinance.
Some specialist applications arise from documentation rather than credit conduct. In those circumstances, low doc loans or self employed home loans may be the more relevant starting point. If the issue relates to an existing mortgage, a refinance review can help establish whether switching is realistic.
We discuss your credit, income, property or documentation issue that may not fit a standard lending policy.
We check your credit report, financial position and supporting documents so your issue is identified before applying.
We explain any errors, unpaid debts or evidence gaps you should resolve before approaching a lender.
We compare suitable lenders, rates, fees, conditions and your total cost, including any realistic exit strategy.
We present your circumstances clearly, manage the lender process and set appropriate points to review your loan later.
Real stories from people we helped make clearer, more confident loan decisions.
Possibly, depending on what happened, how recent it was, the amount, current conduct, deposit or equity and ability to repay. Obtain your credit report and disclose the full history.
Some lenders may consider an application after discharge or completion, subject to time, conduct, equity and other criteria. Specialist advice and full disclosure are essential.
It often can because the lender prices for additional risk or complexity. Compare rates, fees, early-repayment costs and the feasibility of refinancing later.
Potentially, after the credit, income, equity or documentation position improves. There is no guarantee, so the initial loan must remain affordable on its own terms.
No. Multiple enquiries can weaken the application. Review policy fit first and apply to a lender with a reasoned basis for consideration.
Contact the credit provider or credit-reporting body and use the formal correction process. Be cautious of firms promising to erase accurate information.
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