Clients moving to larger forever property however adverse credit within the last 36 months with defaults and missed payments, 2 properties fell through and eventually found their forever home. Originally when the application went in to the lender the maximum borrowing was 80% loan to value due to their adverse credit, however within 2 months we knewthe clients would fall into an 85% loan to value which the lender was happy to facilitate.  The mortgage offer was produced with a 85% loan to value product after this time.

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