FOR INTERMEDIARY USE ONLY

Supporting brokers with complex Shared Ownership solutions

7th May 2026

The challenge

This Shared Ownership case was complex from the outset. Despite a 25% share purchase at 95% LTV, the client faced several barriers:

► Historic credit issues: A satisfied default from 2021 caused immediate declines from lenders reliant on automated credit scoring

► Tight affordability: With monthly credit commitments and high rent/service charges, affordability was at the limit for most market providers.

The solution

We don't believe in a one-size-fits-all approach. By choosing to speak to a person instead of a machine, the broker was able to present the full financial story.

We were able to:

► Assess affordability in a way that reflected the client's real-life situation

► Accept the historic default on its merits, given it had been satisfied for over three years

► Provide a competitive 5-year fixed rate at 95% LTV, securing an excellent outcome for a complex case.

Jack Avery at SRC Mortgage Solutions, said:

“You were able to look beyond automated scoring, take a holistic view of the client’s circumstances, and ultimately provide a solution where others could not.”

Our BDM on the case, Deborah Bree, said:

"We look beyond the surface of a credit score to understand the nuances of every applicant's circumstances. Our approach pairs robust manual assessments with flexible affordability, ensuring every case is judged on its real-life merits rather than a 'black box' algorithm."