Recognizing that a standard application would fail, we undertook a meticulous whole-of-market deep-dive that went far beyond a simple search. We manually analyzed the criteria of dozens of providers and leveraged our direct relationships with specialist niche lenders. The goal was to find a lender whose underwriting criteria were flexible enough to accept a recent missed mortgage payment and recognize the potential of the borrower’s new employment.

Finally, we managed to secured a 2-year fixed-rate mortgage over a 35-year term, which is an increase from the previous 19 years terms, for their new home.