What we can and can't accept
With our soft searches and flexible criteria, let's see if we can help you with those tricky-to-place cases.
At the decision in principle (DIP) stage, we ensure our actions don't leave a 'hard' footprint on your client's credit file. This non-intrusive approach allows you to discover what you can achieve.
| Mortgage or secured loan arrears | 2 in 24 |
| Unsecured loan arrears | 2 in 24 |
| CCJ |
Single satisfied CCJ <£500 may be
considered. CCJs above £500 must be
satisfied for at least three years.
|
| Defaults |
Satisfied defaults up to £250 may be
considered where there are none for
a mortgage, secured or unsecured
loans. Defaults >£250 must be
satisfied for at least three years.
|
| Bankruptcy | Discharged for three years. |
We only need the discharge certificate for the service. This is for applicants who were previously declared bankrupt. No documents are required for all other criteria points.
Minimum packaging requirements
Check our minimum packaging guide to find out what documents you need to submit with your application. This will help us provide a speedier underwriting decision.