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First-time buyers with adverse credit history purchase their ideal home

A recent client success story

Author's Avatar Author: Carl Shave CEO and co-founder

Updated: May 19th, 2026

Purchase Price

£165k

Total

Deposit of

£8250

5% of total

Approved in principle

1 Day

After application

1.

The Clients and Goal

  • The clients were first time buyers, a couple aged 31 & 23
  • The goal was to purchase first home despite previous adverse credit history
  • The purchase price was £165,000 in total.
  • The couple had a deposit of £8,250 (5%) towards the property.

2.

The Challenge

  • The clients had a total of six unsatisfied defaults from 5 years ago.
  • Total unsatisfied defaults amounted to well over £7,000.

3.

The Solution

  • We identified that we needed a lender that could accept adverse credit history which didn’t need the defaults to be satisfied whilst also accepting a small deposit.
  • The mortgage was approved with specialist lender.

4.

The Outcome

  • The total term of the mortgage was 35 years.
  • The Decision was approved in principle in Principle in 1 day and the full mortgage offer was produced 17 days after the full application.
  • The clients were over the moon and incredibly thankful that we’d helped them purchase their first home and get onto the property ladder, despite their previous adverse credit history.
Get Started
01473 356 284