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Our ideas in action


It’s always nice to see your ideas in practice and it’s even nicer when other people experience it. Here’s a great example of our ability to look a little deeper, helping a broker whose client had variable income and a complex credit history.

Payam Azadi, director of Niche Advice Limited, said on the Mortgage Solutions website:

"We recently completed on a complex deal with Kensington. The applicant had a chequered credit history; variable remuneration package; and was a first- time buyer looking to buy a luxury new build flat in a six storey block with a 15% deposit.

His credit file included two £5,000 defaults registered against him about three years ago. He was a sales manager on a modest basic with a bonus four times that amount. This was evidenced by the year-to-date figure on his latest payslip and previous year's P60 but not guaranteed nevertheless.

Understandably this type of case does not always fit products offered by mainstream lenders and so after diligent research we decided to approach Kensington on this case.
Our dialogue started with our BDM Emma Kelman, who has represented the company for a number of years, and she provided guidance and encouragement that this was something Kensington would consider. She also persuaded me to concentrate on the positives and she was right. His credit problems were behind him; he had a good job; he was currently renting somewhere at a similar cost; the property was in a highly-saught after site of the ex-Arsenal football ground. Her reassurance helped me to in turn speak to my client with authority to secure the business.

I was impressed that the decision maker made an initial call to introduce themselves and also was familiar with my prior conversations with her colleagues. I believe by having this ‘direct rapport' and ‘case ownership' she grew to understand there was a person trying to get on the housing ladder rather than a piece of paper passed across her desk to challenge.

Kensington has been in the non-conforming space for a long time and I can see why. Its flexible criteria is backed by staff who stick to their word. Sure they might ask a few extra documents than the high street but that is understandable due to the applicant type."

Source: Brokers reveal complex case success stories - Marketwatch, Mortgage Solutions 

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