We speak lender. Fluently.

Most deals fall apart because the case went to the wrong lender, or went in with questions nobody had answered or anticipated. Things like an old CCJ, a linked company with late accounts or a gap in income can usually be worked with if they're disclosed and explained at the start. When a lender only finds them halfway through, the questions pile up and the case stalls. That's how people lose their auction deposit, miss completion deadlines and watch good deals go to someone else.

• An application declined when another lender would have approved it
• A decline over something that could have been explained at the start, like a credit blip or a linked company, because it wasn't disclosed or the explanation wasn't strong enough, and by the time it comes up it's too late to fix
• A lender coming back for documents that should have been in the pack from day one, while your completion date gets closer
• No plan B when something goes wrong late, like buyer pulling out, so the deal falls through and your bridging repayment date is creeping closer

I spent years on the lender side, so I know what they'll ask before your case goes anywhere. And if something does go wrong, I know when it's worth challenging and which lenders might see it differently, to give your deal the best chance.