Our clients were desperate to secure a mortgage to complete the purchase of a home (which they already lived in as tenants and had become available for sale). They had been to use their own bank first, as they thought would be the easiest route and the best chance that they had at securing a mortgage. Their bank wouldn't provide a mortgage or an acceptable explanation as to why they were unable to secure a mortgage.
We first of all completed a full fact find, in order to: understand the circumstances; understand why they had been declined; and recommended a plan of action for the couple. Within a few days, an alternative High Street bank had been sourced and an acceptable rate was recommended. The clients were very happy to have been accepted and were now able to secure the property for the family.