The Credit Card Stumble That Couldn’t Stop Ruby Rapid from Owning a Home

Posted on:
June 27, 2023
Posted by:
Bluestone Mortgages

Today, we’re diving into the captivating tale of Ruby Rapid, a fitness enthusiast and an unwavering determination to conquer any obstacle that comes her way. Our focus? Ruby’s dream of owning a home stayed alive despite several missed credit card payments, proving that setbacks are just stepping stones to success. So, grab a cup of coffee and join us as we unravel Ruby’s journey supported by the power of a knowledgeable broker and specialist lender like us at Bluestone Mortgages, who paved the way to her dream home.

Ruby’s Marathon:

Ruby Rapid, a self-proclaimed fitness junkie with a penchant for running and an unstoppable zest for life, faced a minor setback in her otherwise impeccable credit history. Due to her busy schedule, she missed two credit card payments within the last five months, causing a dent in her financial track record. But this is where the story gets interesting.

Enter Ben the Broker:

Ben is a seasoned professional who knows the ins and outs of the mortgage industry. When Ruby approached him, still glowing with the excitement of her homeownership dreams, Ben recognised that high-street lenders had deemed her “unlendable” due to those unfortunately missed payments. But that didn’t discourage him. He knew a solution was out there and was determined to find it.

The Power of Specialist Lenders:

Here’s where our complex credit magic comes into play. Armed with his mortgage market knowledge, Ben understood that Ruby’s situation called for a different approach. He knew that here at Bluestone, we could save her home ownership dreams with a quick application to offer, some as rapid as one-day offers through our new and improved broker portal, Bluesky, which is as fast and efficient as Ruby herself. With our streamlined application process and deep understanding of complex credit, Bluesky became Ruby’s ticket to realising her dream of homeownership.


Despite Ruby’s missed credit card payments, her dream of owning a home was a reality, thanks to the expert guidance of her mortgage broker. Together, they navigated the labyrinth of specialised lending options with us and discovered our revolutionary broker portal, Bluesky, which swiftly paved the way to Ruby’s success.

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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