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UK > Mortgages > Adviser > Help with Complex Credit

Complex Credit Doesn't Mean Impossible

 

Specialist lending in today's world is responsible, affordable and genuinely helps underserved customers that have been let down by mainstream lenders. No lender will hunt harder to find a solution for the customer than we do.

At Bluestone Mortgages, we strive to make specialist lending simple.
 

 


Helping Your Customers With

 

It’s no surprise that *45% of consumers are hesitant to reapply for a mortgage after being rejected in the past however, the good news is, high street lenders, don't have to be the end of the road when specialist lenders exist.

Mortgage Arrears

Defaults

Missed Payments

Credit Score

CCJs

DMPs

Mortgage Arrears

"My customer went through a divorce 2 years ago which led to a few missed payments on his mortgage, I can't seem to find a solution anywhere!": Well at Bluestone Mortgages we can accept 4 missed mortgage payments between 13 to 24 months old. If he doesn't have any missed payments in the last 12 months, we may be able to help!

Defaults

"If my customer has 4 defaults on their credit report, it's impossible to find them an affordable mortgage!": Not any longer! Bluestone Mortgages can accept up to 4 defaults registered within the last 3 years.

Missed Payments

"My customer missed 3 mortgage payments 13 months ago, he has no chance!": Luckily, we can accept up to four missed mortgage payments bewteen 13-24 months old.

Credit Score

"My client's credit score is really bad! I won't bother with it.": Not to worry! We have a 'no credit scoring' policy. Instead, we follow a manual underwriting approach to gain a better understanding of the events that led to your customer's financial blips.

CCJs

"One of my customers had a CCJ of £280 registered last month! We'll try applying in 6 months time!": Why wait till then when they have a chance now? We'll disregard all CCJs under £300 even in the last 3 months!

DMPs

"My customer has a current DMP registered to their name, it's impossible to find them a mortgage": Not to worry, at Bluestone Mortgages, we accept DMPs which can remain even on completion if the customer has kept up with all payments.

Click the icons above for more information
 

Apply Now

Submit your DIP's and applications online using our new broker portal, Bluelink.

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Our Products

 

Our latest product guide provides a detailed outline of the varying products and services we offer to support you in finding the best possible solution for those customers dealing with adverse credit. So whether they're struggling to climb the property ladder or remortgage their home we may be able to help! Please refer to our product guide for information on our criteria & rates.

Our Customers
 

 

Useful Downloads

Product Guide

Full details of our Residential Mortgage range including rates and criteria.

Jargon Buster

Here you can find our commonly used terms in relation to adverse lending and their definitions

Packaging Guide

"Hints and tips" to help you understand what loan criteria we'll accept and what we'll ask you to provide