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Appeal & Overturn Specialists

Declined? Stop Applying. Start Solving.

Each mortgage application you make can leave a hard search on your credit file that other lenders are able to see. We work to establish why you were declined and, where we can, approach lenders whose criteria fit your circumstances rather than applying repeatedly.

  • Some lenders will consider a higher income multiple than the high street
  • Lenders who will consider a recent job change or probation period
  • Flats above commercial premises considered by some lenders
  • Bonus, commission and overtime income considered by some lenders

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.

Reapplying to the same type of high-street lender after a decline is unlikely to produce a different answer, and each attempt can leave a further hard search on your file.

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.