Not every great client fits neatly into policy and that’s where our flexible approach makes a real difference.
A recent applicant had only one year of bonus evidence after switching from contracting to full-time employment. On paper, that didn’t meet standard criteria. But the wider profile stood out:
- The employer had a clear and established bonus scheme
- The client earned a comparable income while contracting
- Their credit profile was excellent
- The LTV was low
By assessing the complete picture, our underwriters approved a policy exception, enabling a day-one offer.
Why this matters
When a case demonstrates strong fundamentals, we can take a closer look and find solutions that work for you and your clients.
If you have a complex scenario you’d like to explore, just email leon.griffiths@selinafinance.