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Manual Underwriting Specialists

The Algorithm Says No. We Check The Facts.

Computer-score lending declines 40% of viable borrowers. Secure up to 90% LTV even with recent CCJs or Defaults using manual underwriting.

  • Defaults > 24 months ignored completely
  • Active DMPs accepted (12 months history)
  • CCJs under £500 ignored regardless of date
  • Up to 90% LTV available
"Stop applying to high street banks. Every computer-generated decline damages your credit file further. Go direct to a manual underwriter."

Check Your Eligibility

No credit check required

Our Lending Partners — a selection of the mainstream and specialist lenders on our panel
Broad Lender Panel

Just a few of the lenders we quote

From high street giants to specialist niche lenders.

Mortgage advice is provided by Hayden Richards, CeMAP-qualified, as an authorised adviser of Echo Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 570073). Richards & Logic is a trading style of MarketMedia Ltd. Hayden Richards can assess specialist mortgage options from a broad panel of UK lenders based on your complex income and borrowing needs.