ANONYMISED CLIENT EXAMPLE
First-time buyer with a recent default
How Smart Mortgages approached a case that needed specialist lender knowledge.
Reviewed by Smart Mortgages21 August 2026 · FCA reference 912358
The challenge
A historic credit problem had reduced the client’s lender options and confidence about buying.
Our approach
We checked the date, value, status and explanation, reviewed the available deposit and avoided lenders whose criteria did not fit.
The outcome
The buyer received a clear, realistic route forward based on their individual circumstances.
Important
This anonymised example illustrates our approach and is not a guarantee that the same lender, terms or outcome will be available to another applicant.