Less than Perfect Credit Profile

More choices for customers with a less than perfect credit profile

Not every customer has a perfect credit history – and that’s exactly where our Core and Near Prime Ranges can help. If your customer has light adverse credit, start with our Core Range. If they need broader criteria, simply switch the AIP to Near Prime – quick, simple and seamless.

Whether it’s a low credit score, past defaults, arrears or a recently settled IVA, our solutions are designed to help you support more customers.

All applications are subject to application score card and underwriting assessment.

Core & Near Prime highlights

• Settled IVAs accepted day 1 on receipt of the completion certificate — no waiting period (Near Prime only)
• Broad criteria for CCJs and Defaults
• Utility and Communication Defaults ignored
• No cap on Unsecured Arrears if clear in the last 3 months
• Capital raising, including debt consolidation

For full details, please refer to our Mortgage Lending Criteria Guide or download our Product Guide for everything you need to know.