Picture this: five individuals, all with a complex credit history, are gathered around a dinner table with their mortgage broker, Ben the Broker. The topic of discussion? Their dream of owning a home. High-street lenders have deemed them “unlendable.”
Meet the Unlendables Family. First up is Logan Lowscore, an aspiring social media influencer with a keen eye for fashion. He loves staying on trend, but as a student with limited income, he relied on payment instalment platforms to help him out. Unfortunately, his busy lifestyle resulted in a few minor defaults that hurt his credit score.
Next, we have Debbie Debts, a fiercely independent and sassy woman who takes charge of her life, even in the face of financial adversity. Divorce left Debbie in a tight financial spot. During the course of her divorce proceedings, she was left to manage her finances alone and fell behind on her utility bills, leading to a pile-up of debt and two CCJs.
Ruby Rapid is a fitness enthusiast who loves cycling and staying active. However, her busy schedule caused her to miss two credit card payments in the last five months, damaging her previously spotless credit history.
Then there’s Ronnie Remo, a fun-loving man who enjoys cooking and entertaining his loved ones. He’s always dreamt of renovating his kitchen with the latest equipment, but due to his messy divorce, he’s been struggling to keep up with his mortgage payments.
Lastly, Freddie & Faith First-Home are a young couple who share a passion for love and weddings. They recently started their own business in wedding planning and stationary, which has been thriving ever since. They are now ready to take the next step and purchase their first home, but being self-employed for just a year makes it challenging to get a mortgage.
High-street lenders may have deemed these individuals “unlendable,” but Ben the Broker knows that Bluestone Mortgages can help them achieve their dreams of homeownership.
So brokers, don’t let your customers give up on their dream just yet. Stay tuned as we delve into these stories and how Ben helped these individuals navigate their financial hiccups and secure their dream homes.
If you’re wondering how you can serve a growing market of adverse cases but aren’t sure where to start – click here to download our complex credit toolkit to start your journey.
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