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The Unlendables Family

Meet the family

As a broker, we don’t have to tell you that it’s easier than ever for people to find themselves in financial difficulties. Banks and other high-street lenders quickly brand mortgage seekers with poor credit as ‘Unlendable’.

At Bluestone Mortgages, we believe people should be given credit where credit is due. That means where other lenders see ‘unlendable’, we see a community of people who deserve to be considered for a loan based on their unique life circumstances rather than a vanilla financial history.

Logan Lowscore

He made it through his university years with good grades, but due to his busy uni lifestyle, Logan gained minor defaults. This ultimately had a negative impact on his credit score.

High-street lenders labelled him ‘Unlendable’, but not us. His broker knew that as a specialist lender, we don’t credit score and ignore all defaults under £300, meaning Logan can get our best product tier. We could approve Logan for a loan based on his affordability.

Our key criteria

  • No credit scoring
  • No application fee across the entire product range
  • IVA, Bankruptcy & DMP’s all accepted
  • No monetary limit on CCJ’s and defaults
  • CCJ’s and defaults do not need to be satisfied
  • Criteria based on customers credit profile on the date of completion, no application
Got a customer like Logan? Find out how we can help
Our Products

Ruby Rapid

Aside from two missed credit card payments within the last five months, her credit is squeaky clean. Still rejected by high-street lenders, Ruby needed a quick turnaround to secure the home she had her heart set on.

Her broker knew that as a specialised lender, we could save her home ownership dreams with a quick application to offer.  If Ruby Rapid has a similar situation to any of your customers, remember Bluestone Mortgages is here for them and here for you.

Our key criteria

  • Automated credit reports – we’ve reformed our broker portal technology so that you can get a credit decision from Experian earlier on in the application process.
  • Reduction in processing times – within minutes, you can gather accurate household expenditures using our Open Banking integration, saving you time and ensuring accurate customer information.
  • Automated committed expenditure – our broker portal will save you even more time when keying in an application by pulling through your client’s committed expenditure, you just need to tick if the debt is being repaid.
Got a customer like Ruby? Find out how we can help
Our Products

Debbie Debts

Recently divorced and in a tough spot financially with a lot of built-up debt which led to multiple CCJs. High-street lenders labelled Debbie ‘Unlendable’, but not us.

As a specialist lender, we don’t have any limits on debt to income, and we’ll allow Debbie to consolidate all of her debts by raising additional funds up to the full 85% LTV. We also allow up to 3 CCJs registered in the last 3 years. Many success stories with cases like Debbies have joined our ever-growing family of Unlendables.

Our key criteria

  • No credit scoring
  • No application fee across the entire product range
  • IVA, Bankruptcy & DMP’s all accepted
  • No monetary limit on CCJ’s and defaults
  • CCJ’s and defaults do not need to be satisfied
  • Criteria based on customers credit profile on the date of completion, no application
Got a customer like Debbie? Find out how we can help
Our Products

Ronnie Remo

Ronnie has multiple missed mortgage payments that he picked up during his divorce proceedings and was looking to remortgage to pay off his ex-wife, raise capital to pay off divorce debt and borrow a little extra to build his dream kitchen.

High-street lenders labelled him ‘Unlendable’, but not us. His broker knew that our team of experts look closer, and as a specialist lender, we could help him remortgage despite having previously missed mortgage payments, raise capital to help pay off his divorce debt and borrow a little extra to build his dream kitchen, offer a fees-free product, with no application fee, no arrangement fee, free valuation, and a £500 contribution to legal costs, and keep his monthly payments relatively unchanged.

Our key criteria

  • No LTV restriction for debt consolidation
  • Fees-free products available
  • Free basic legals or £500 cashback
  • Capital raising for any legal purpose including business or tax bills
Got a customer like Ronnie? Find out how we can help
Our Products

Freddie & Faith First-Home

This power couple has just celebrated their first year of co-owning a business and now looking to buy their first home. High-street lenders labelled them ‘Unlendable’, but not us.

Their broker knew that as a specialist lender, we accept self-employed customers that have been trading for a minimum of 1 year. Where applicants have been trading for less than two years, we only require an accountant’s certificate, or SA302’s to verify the income. Many success stories with cases like Freddy and Faith have joined our ever-growing family of Unlendables.

Our key criteria

  • 12 months trading
  • Accept an accountants certificate in place of an SA302 for clients trading less than 2 years
  • Latest income used for affordability
  • Accept net profit and salary for Ltd Co Directors
Got a customer like Freddie & Faith? Find out how we can help
Our Products

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