Refused a mortgage? Don’t worry we can help

Simon Nicholson

Written by Simon Nicholson on October 15, 2018

Updated June 7, 2019

Refused a mortgage

If you have been declined a mortgage from your bank or mortgage lender then dont worry as we may still be able to help. Our experts help mortgage applicants who dont fit the ‘standard’ mainstream requirements and who may have been refused a mortgage or declined a loan elsewhere.

Our experts can help with both residential and buy to let mortgage applications on a first and second charge mortgage basis. Non standard construction properties, high rise flats and semi commercial property accepted also.

When can we help?

We can offer a diverse lender panel of lenders that can help where others can’t in situations such as:.

  • Mortgage declined on affordability
  • Mortgage declined by underwriter
  • Mortgage declined after decision in principle (DIP)
  • Mortgage declined after survey or after your offer has been accepted

Key Facts

  • Rates from 2.94%
  • Terms 1-30 years
  • Loans from £10,000 to £2,500,000
  • LTV up to 95%
  • All credit profiles considered, including bad credit applicants.

Accept in principal

We can offer an accept in principal based on a soft credit search free of charge. We don’t charge up front fees like some other brokers in the market.

Better Rates

We don’t rely solely on sourcing systems – in 50% of cases our advisers have found better rates than those presented on sourcing.

Experienced Advisors

We only recruit staff that are CeMAP qualified and with a minimum 5 years experience in second charge mortgages.

Get a quote from the experts

Learn More
All credit types
Rated 4.8/ 5

Smart Money Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.


Initial Rate

Standard Rate (SVR)


Refused mortgage experts

If you a have been declined a mortgage or secured loan then we can help. We have a diverse range of lenders on our panel who accept non mainstream applicants who may have been refused a mortgage or loan elsewhere.

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