Offer in 3 Working Days

At a glance

Situation: John and his partner wanted to consolidate debts into one manageable payment before retirement.

What made it difficult: They’d been declined due to age, credit history, and how affordability was assessed. What we did: Found a lender with more flexible criteria and structured the application around their full financial position. Result: Offer in 3 working days and monthly outgoings reduced by £979.

The challenge

When John and his partner contacted us, they were feeling uncertain about the future. Like many couples approaching retirement, they wanted to simplify their finances and reduce monthly commitments. One of them had already retired, the other was still working, and they were worried about how their current debts would feel once both incomes changed.

They’d already tried their high street bank and other lenders/advisers — and kept hearing the same answer: no.

In cases like this, lenders often worry about a mix of factors:

• Lending into retirement
• How affordability is calculated as income changes
• Credit history and existing commitments

How we helped

We didn’t focus on the rejections — we focused on finding a solution.

After reviewing their full position and goals, we:

• Identified a lender more flexible around age and affordability
• Structured the application to show the complete picture clearly
• Moved quickly to secure early approval and keep momentum

The result (timeline)

2pm: First conversation 4pm: Agreement in Principle secured the same day Next afternoon: Full application submitted 3 working days later: Formal mortgage offer issued

The new mortgage allowed them to consolidate their debts into one monthly payment and reduced their outgoings by £979 per month.

From offer to completion, the case progressed smoothly and completed three weeks after the mortgage offer.

In a similar position?

If you’re being declined due to age, retirement, affordability, or credit history, it doesn’t always mean there are no options. Complete our enquiry form or call us to discuss your unique situation.