A Status 6 doesn't always mean a decline.

THINK YOUR CLIENT'S CREDIT HISTORY RULES THEM OUT? THINK AGAIN.

Discover how Complete helped turn a challenging residential enquiry into an AIP by finding a lender willing to look beyond the credit score.

THE SCENARIO

At Complete, we champion real-life lending and believe that every case deserves to be looked at in context, not simply judged on what appears on a credit file.

We recently helped a broker with a residential mortgage enquiry that is a great example of exactly why taking a personal view can make all the difference.

THE COMPLETE SOLUTION

Rather than simply accepting what the credit file was telling us, we wanted to find a lender prepared to consider the full circumstances.

We referred the case to one of our lenders, where their BDM and underwriting team took the time to understand the background and, crucially, consider the supporting evidence.

They recognised that the credit file didn't tell the whole story and were prepared to take a more pragmatic view of the circumstances, rather than automatically ruling the client out based on the adverse credit history.

THE RESULT

An AIP has now been issued, with the lender happy to proceed on their CLEAR product range!

This is a great example of why lender selection, a good relationship with BDMs and, most importantly, a willingness to look beyond the credit score can make such a difference.

HAVE YOU GOT A SIMILAR RESIDENTIAL ENQUIRY?

Don't dismiss it just because the credit history isn't straightforward.

Whether it's historic arrears, missed payments, adverse credit or circumstances that need a little more explanation, let us take a look.

At Complete, we'll help you explore the options and find a lender prepared to consider the bigger picture.