Clients missed the mark with high street credit checks?

Solution Found.

Product overview

Range designed for clients who fail high street credit scores – for reasons other than adverse credit


  • Rates from 2.44%
  • 2 and 5 year fixed rates available
  • Up to 85% LTV
  • Choice of products: F1 to F3, giving a cascade options to meet different circumstances

Who do we cater for?

Did you know there are many reasons why clients can fail a high street credit score? Some of them may surprise you.
Check out our video below.

Address history

A clean address history is key for a good credit score. So if your client is not on the voters roll at their current address, or if they move house a lot, then this will have a negative impact on their credit rating.

Credit hungry

Clients who have frequent credit searches conducted against them, for anything from a mortgage to a new mobile phone, will likely have a poorer credit score.

Credit utilisation

Clients who heavily rely on credit cards will have a lower credit score – exceeding 60% of a credit limit affects a score significantly and exceeding 75% of a credit limit will double this negative impact.

There are many ways you can help your clients who are missing out on mainstream lenders.

Find out how with our handy tips.

Criteria Overview

Up to 4 applicants

Interest only options

No minimum income

Loans up to £750k

Max age 75 (end of term)

FTB options

£50k Minimum loan

For self employed or employed

Gifted deposits accepted

Minimum age 18