Turning A “No” Into A “Yes” – Securing A Mortgage With Adverse Credit
The latest industry news and guides from Active Mortgages.
The latest industry news and guides from Active Mortgages.
Our client, a determined and hardworking professional, had faced multiple setbacks trying to secure a mortgage due to previous credit issues. After being turned down by two different mortgage brokers, they were on the verge of losing their dream home – and hope.
Our client had a history of adverse credit, which had made it incredibly difficult to secure a mortgage through traditional channels. They had already approached two separate mortgage brokers, both of whom had been unable to find a lender willing to consider their application. With a tight deadline looming and their dream home slipping away, the client felt disheartened and frustrated. They turned to us as a last resort, hoping for a solution where others had fallen short.
We took a hands-on approach to explore every possible route, focusing on specialist lenders who look beyond credit history. By combining personalised advocacy with direct communication, we built a strong case that gave the client a real chance.
✔ Conducted full-market research to identify lenders open to adverse credit cases.
✔ Reached out directly to lenders and underwriters to explain the client’s financial recovery.
✔ Negotiated favourable terms tailored to the client’s budget and long-term stability.
We secured a full mortgage offer from a specialist lender – on time and at a competitive rate. The client completed the purchase of their dream home and is now on a clear, manageable repayment path. “We had almost given up hope after being declined twice, but Active Mortgages went above and beyond. Their dedication and expertise made all the difference – we’re now proud homeowners!”
This is a perfect example of how automation isn’t everything – and why real relationships with lenders matter. Where others gave up, we pushed forward with persistence, advocacy, and a custom approach. Adverse credit doesn’t have to be the end of the road – it just takes the right team to navigate it.
Book a call with one of our team to talk about your requirements.
