Our client needed money quickly for essential home improvements, but his less-than-ideal credit history made it hard to get a loan from traditional lenders.
Fortunately, he reached out to Simmonds Mortgage Services. Our expertise in adverse credit mortgages and experience with specialist lenders meant we could find a quick and viable solution.
Understanding the challenge
We know that having past credit problems can make it feel nearly impossible to secure finance, especially when time is of the essence.
Our client, Mr Ryan, owned his home in Hampshire outright but needed to raise funds fast. He wanted to pay off his debts and do some essential repairs on his property. Speed was crucial, and his credit history was poor, so he struggled to find lenders willing to say ‘yes’.
Our experience helping clients with bad credit histories meant we could listen to Mr Ryan’s situation and create a personal solution to help him achieve what he needed.
Our approach
At Simmonds Mortgage Services, we believe that bad credit shouldn’t stop you from moving forward. We took the time to understand Mr Ryan’s full story and his finances so we could find the best solution.
We then searched the market for a lender who specialised in adverse credit and could understand Mr Ryan’s situation and consider the bigger picture rather than just his credit score.
The solution
Our approach meant we could move quickly with the mortgage application. We secured a formal mortgage offer for Mr Ryan within just two days, and two weeks later, the funds were in his account.
By matching him with a suitable lender and negotiating realistic terms, we were able to turn what initially felt like too big a challenge into something practical and affordable.
A message from Mr Ryan
I had a fantastic experience working with my mortgage advisor, Andrew Simmonds, and couldn’t recommend his services more highly. From start to finish, he was completely honest, upfront and offered excellent advice tailored to my situation. What really stood out was the speed and efficiency with which the team worked – acting quickly and gathering all the necessary information with a level of responsiveness that made the whole process seamless.
They took the time to fully understand my personal circumstances and went above and beyond to secure the best possible deal for me. I truly felt supported and in capable hands throughout.
A special shoutout goes to Amy Shakespeare, who handled the administration like a true professional. Her attention to detail and organisational skills ensured everything ran smoothly behind the scenes—she’s an absolute star!
Thank you for making what can often be a stressful process feel easy and straightforward. A top-tier service from start to finish!
Simmonds Mortgage Services: More Than Just Mortgages
At Simmonds Mortgage Services, we find solutions for even the most challenging mortgage cases. Bad credit, self-employed income, tight deadlines – we specialise in it all.
If you need a mortgage quickly or have been told ‘no’ elsewhere, let us help. Contact Simmonds Mortgage Services today, and let’s find the mortgage you deserve.