Case Information

Loan Approved: £500,000
LTV: 75%
Term: 20 Years
Outcome: High street lender approval despite historic adverse credit

The Challenge

Our client was looking to purchase his first property but faced two key obstacles.

He had historic adverse credit, including defaults and CCJs, and had previously been advised he would be limited to specialist lenders with rates of around 4%. In addition, due to his age, he had been told the maximum term available would be 15 years.

This combination resulted in monthly payments that were too high, preventing him from moving forward with the purchase.

Our Approach

We took the time to fully understand the background behind the adverse credit:

  • Identified that all defaults and CCJs were linked to a divorce four years earlier
  • Confirmed that the client had since settled all outstanding balances
  • Highlighted that the adverse events were isolated and occurred within a short timeframe
  • Presented a clear, well-packaged case to a high street lender, outlining the full circumstances
  • Demonstrated affordability, including the option to use future pension income

The Solution

By evidencing the client’s situation and demonstrating that the credit issues were historic and resolved, we secured a competitive mortgage with a high street lender.

The lender agreed to:

  • Offer a £500,000 loan
  • Extend the term to 20 years
  • Allow lending up to age 80, taking pension income into account

This reduced the monthly payments to an affordable level, enabling the client to proceed with his purchase.

Why It Matters

Adverse credit doesn’t always mean limited options. Many clients are told they must accept higher rates or shorter terms—but that isn’t always the case.

With the right approach and a clear explanation of the circumstances, high street lenders will often take a more flexible view.

Speak to an Expert

If you’ve been declined or told your options are limited due to credit history, it’s worth getting a second opinion.

Get in touch for a confidential discussion and see what may be possible.

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Testimonials

Client Experiences That Speak for Themselves

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I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.

What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.

If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!

Aleksandar Tomić
CLIENT

I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.

What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.

Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.

Ohemaa Abrefa
CLIENT

Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues 😜 we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple 🫣😂 I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.

Maura Walsh
CLIENT

Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing

Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required

Jangir Choudry
CLIENT

Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.

Matthew Astle
CLIENT

Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.

Thanks Amar for great help!

Swapnil Patil
CLIENT

Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.

What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.

Would highly recommend LFS to anyone. Thank you to the entire team.

Abul Hassan
CLIENT

I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!

Sophie
CLIENT