The Most Common Reasons Mortgages Get Declined — And How We Solve Them
Mortgage declines are more common than people think. Whether you're a client who's been turned down or a broker struggling to place a case, the key is understanding why declines happen—and who can help.
At Celtic Finance, we specialise in complex and declined mortgage cases, offering practical solutions through our network of specialist lenders.
Top Reasons Mortgages Are Declined
1. Adverse Credit
Missed payments, defaults, CCJs or IVAs often trigger automatic rejections.
How we help: We work with lenders who assess credit history in context, not just the numbers.
2. Complex Income
Self-employed, directors, contractors, or those with multiple income streams often don’t fit high street criteria.
How we help: We place clients with lenders who understand non-standard income.
3. Poor Affordability
Too much debt or conservative affordability models can cause issues.
How we help: We offer lenders with flexible assessments, including debt consolidation and JBSP options.
4. Unusual Properties
Flats above shops or non-standard construction can be declined by mainstream lenders.
How we help: We have access to lenders happy to consider specialist or non-standard properties.
5. Documentation Issues
Poor packaging or inconsistent documents can delay or derail a case.
How we help: We manage and present each case with great care, ensuring that the process from submission to the lender to receiving your mortgage offer is as smooth as possible.
How We Help Clients and Brokers
Clients: If you’ve been declined, we offer specialist advice and real options.
Brokers: We act as your back-office support for tricky cases—your client remains yours.
Why Celtic Finance?
✔ Access to specialist lenders
✔ Fast, honest case assessments
✔ End-to-end support with no client poaching
✔ Proven track record in placing declined applications
Conclusion
A mortgage decline isn’t the end—it just means the case needs a specialist approach. At Celtic Finance, we help clients and brokers navigate complex scenarios and secure the right solution.
Need help with a declined case?
Contact Celtic Finance today and let’s find the way forward—together.
