Your finances don't have to be perfect before we talk.
CCJs, defaults, missed payments, a debt plan — whatever has happened, tell me where things stand.
I'll tell you honestly what your options are, including if the answer is not yet.
- Free first call
- No credit search to talk
- Adviser since 2004
Two minutes, and you'll know roughly where you stand.
Answer a few questions and I'll tell you honestly whether this looks workable now, workable with a couple of things sorted, or worth waiting on. Start with the one that matters most.
Your answers stay in your browser and no email address is asked for. The only thing the site records is an anonymous count of how many people start and finish the check.
The one that decides most of it
What's on your credit file?
What did they say the problem was?
Pick whichever is closest and I'll explain what it actually means, what it doesn't mean, and what usually happens next.
Not sure which of these it was? Take the two-minute check — eight short questions, answered in your browser. Your answers are not stored or sent anywhere.
Not everyone arrives here after a refusal.
Plenty of people come to me before they apply at all, because they already know something on the file is going to come up. That is the better time to ring.
Buying your first home
No mortgage history to point at, and an old default you have been told ruins everything.
Remortgaging
Coming off a fixed rate with a CCJ or a default, or stuck on the standard variable.
Self-employed
Two difficulties at once, and a smaller group of lenders comfortable with both.
Buying with someone
One clean file, one with something on it. Three routes, and one usually suits far better.
After a debt plan or IVA
When the clock starts, and why the completion date matters more than the start date.
If you have a CCJ
The one-month rule, satisfied versus set aside, and how lenders differ on age and size.
If you would rather see someone local: I work in Uxbridge and I live in Guildford.
What I'll tell you on the phone.
Most of this market promises. I'd rather be specific, including where that costs me the enquiry.
If the honest answer is "not for another few months", you'll get that, with the reason and a rough date. It's cheaper for you than another decline.
Adverse credit usually means a bigger deposit and a higher rate than the adverts. Rarely as bad as people fear. Never a surprise at the end.
Applying again in a hurry is the most expensive mistake after a decline. Each attempt leaves a mark, and a cluster of them makes the next lender warier.
What people usually ring about.
None of these is a promise about yours. Every case turns on the dates, the amounts and the deposit, which is why the first call is about the detail rather than the headline.
David has a natural ability to make you feel comfortable and deals with you personally.Tina, Windsor · A client for twenty years
The three things everyone asks first.
Will this hurt my credit file?
No. Talking to me costs nothing and leaves no trace. A search only happens when we have decided together which lender to approach, and not before.
Am I going to be judged?
No. I have been doing this for more than twenty years and there is nothing you can tell me that I have not heard. The circumstances matter to the case, not to my opinion of you.
Can you promise you'll get it through?
No, and be careful of anyone who does. What I can promise is a straight answer about what is realistic, and that I will tell you early if it isn't.
Tell me what happened. I'll tell you where you stand.
Twenty minutes, no charge, no obligation — and an honest answer either way.