Manual Underwriting Specialists

The Algorithm Says No. We Check The Facts.

Automated credit scoring can decline an application that a human underwriter would be willing to consider. We work with lenders who assess your circumstances individually rather than by credit score alone.

Older defaults may not rule you out
Lenders who will consider an active debt management plan
Smaller CCJs assessed on their own facts
Manual underwriting rather than scoring alone

Every lender sets its own criteria and each application is assessed on its own facts. The amount you can borrow and the loan-to-value available to you will depend on your circumstances. Acceptance is not guaranteed.

Each mortgage application you make can leave a hard search on your credit file that other lenders are able to see. Speaking to a specialist first can help identify a suitable lender rather than applying repeatedly.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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, a Registered Individual of Marklay Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 930490). 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.