At Creative Lending Solutions we can turn to mortgage lenders who take a more understanding approach to past financial difficulties, and who have a range of products to meet the varying circumstances of our customer. 

These lenders will typically need an intermediary like us to access their products and these will be tiered according to type, value or quantity of misdemeanours that have been registered and the date that these were added to your credit file. In most cases it is not necessary to satisfy a bad debt to meet the lender’s criteria for an impaired credit mortgage.

By understanding the unique criteria of one lender over another this better helps us recommend the most appropriate option to you; whether this is simply to obtain a more favourable deal, to raise additional borrowing or to make other changes to your mortgage arrangements.

We keep things as simple as possible and will be on hand at every step of the new mortgage process. We will complete the lender’s application form and forward them your supporting documentation. We will respond to the lender’s underwriter with answers to any questions they may have and to offer assurances where they may be required. Once your new mortgage offer has been issued, we will remain available for any questions you may have and for any changes that may be needed up until completion.