15/10/2026
Our clients had already had one lender, one decline, and they were left believing they had no hope of getting the mortgage they needed. ❌🏡
They were then recommended to us by one of our previous clients. 💙
Yes, we charge a broker fee. But here’s what that fee got them: 👇
🔎 We went through every detail of both credit files rather than simply accepting the decline.
📊 We turned a complicated credit history into a clear picture of exactly what had happened and why.
📝 We took the time to understand the full background behind the credit issues, rather than just looking at a credit score.
👀 We identified that some defaults were appearing twice for the same original debt, once with the lender and again with the debt collection company.
🧠 From experience, we knew this was likely to cause an automatic decline with the lenders we wanted to approach.
📑 So we had the appeals and supporting explanations prepared before we even submitted the Agreements in Principle.
💪 And when they declined as expected, we challenged the decisions rather than simply moving on.
🎉 The result? THREE different lenders overturned their declines and agreed to lend.
The clients who thought they had no hope are now moving forward with the purchase of their new home. 🏡🔑❤️
So yes, we might charge a broker fee.
But when your circumstances aren't completely straightforward, you're not just paying us to submit an application. You're paying for our time, knowledge, experience, research and determination to find a solution.
That fee can be worth every penny. 💙💷
👉 Been declined elsewhere? Before assuming that's the end of the road, get in touch.
DreamKey Mortgage Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.
Approved by The Openwork Partnership on 13/10/2026
