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Manual Underwriting Specialists

The Algorithm Says No. We Check The Facts.

Computer-score lending declines 40% of viable borrowers. Secure up to 90% LTV even with recent CCJs or Defaults using manual underwriting.

  • Defaults > 24 months ignored completely
  • Active DMPs accepted (12 months history)
  • CCJs under £500 ignored regardless of date
  • Up to 90% LTV available
"Stop applying to high street banks. Every computer-generated decline damages your credit file further. Go direct to a manual underwriter."

Check Your Eligibility

No credit check required

Our Lending Partners
Whole of Market Access

Just a few of the lenders we quote

From high street giants to specialist niche lenders.

As an Appointed Representative of Echo Finance, we have direct access to over 100 lenders across the UK market, ensuring you get specialist advice and the most competitive rates available for your specific income structure.

Manual Underwriting Wins

Algorithms reject based on codes. Humans approve based on stories. Here is the difference specialist lending makes.

90% LTV Approved

5 Satisfied Defaults

"High street banks declined automatically. We used a lender that ignores all defaults over 24 months old, regardless of value."

D

David & Sarah

Manchester

Rates < 6%

Recent CCJ (£2.5k)

"Applicant had a contested parking fine CCJ from 14 months ago. Lender ignored it as 'communications failure', granting high street rates."

M

Mr. Thompson

Essex

Remortgage Successful

DMP Active

"Client in an active Debt Management Plan. We sourced a lender who accepts DMPs provided they have been conducted satisfactorily for 12 months."

L

Lisa K.

Surrey