4 | UK Finance Awards 2022 Oct22564 Best Complex Credit Mortgage Lender - England As part of the Bluestone Group, Bluestone Mortgages has been working in the lending industry for generations. As mortgage lenders make their decisions based on credit scores, it can be hard for people to get the mortgage they would really like. Bluestone guarantees a better experience and a more personal touch, so that we can all find a home that suits us. Here we find out more as it wins this enviable accolade in the UK Finance Awards 2022. Bluestone Group was incorporated many years ago, in 1988. For decades Bluestone has not only maintained its reputation, but it has built upon it year after year. Now, with Bluestone Mortgages – based in Cambridge, London – you can have access to the best mortgage solutions in England. “From our very beginning, Bluestone has worked closely with a broad range of private equity and investment businesses to forge valued, often long-term relationships.” Whether you’re a customer or a broker, Bluestone Mortgages can provide help with a wide variety of help with regards to your mortgage. Bluestone understands that lending can seem complex and difficult at the best of times, which is exactly why it works to simplify things – alleviating any worries or stresses for each of its clients. For residential mortgages, Bluestone flexes its creative muscles to innovate the sphere. It combines cutting-edge fintech digital technologies with a personal touch, so that clients can buy the house they want with each part of the process expertly handled with care. Complex credit mortgage lenders can often be difficult to connect with on a personal level however, Bluestone is there for clients in a way that others aren’t. “It takes pride in working with brokers to understand affordability for people who don’t fit the traditional profile of high street banks.” Innovating the industry, Bluestone introduces methods of matching clients with lenders that will inevitably result in a better experience for everyone involved. Bluestone realises that finances take unfortunate hits for some, and our credit scores are all affected in different ways. It stands by its flexible approach so that people can end up with the home of their dreams. Working with clients’ brokers, Bluestone responds to their pain points as well as their dreams. “We work with you and your broker to understand your real story and are focused on whether you can meet your monthly mortgage payments.” Bluestone is happy to help even when others won’t. When clients don’t fit in with high street banks, it can seem impossible for them to get the house they want. This is where Bluestone comes in; this complex credit mortgage lender is changing up the scene so that we can all receive the support we need. Bluestone is aware that times have changed within employment. People often have more than one job, they are self-employed, or they are even contracted on a fixed-term or rolling contract, so they find it hard to get a mortgage. Bluestone accepts accountant’s certificates, accounts, or SA302s, to help lenders make their decision, rather than relying on credit scores. This is just one way that Bluestone helps its clients to align with a lender. For brokers, Bluestone helps to make the process seamless, streamlined, and attuned to their values. Bluestone ensures all underwriting is turned around in just two days, DIPs are reviewed within 24 hours, fully packaged cases are assessed within two days, and 90% of calls are answered within 30 seconds, so that brokers can have more room to do what they need to do without stress. Bluestone provides answers to complex queries, aid for difficult situations, and support for all kinds of clients – buyers or brokers. “We provide solutions built on real customer needs, not outdated rules and automated processes. Based on the belief that if you can help a customer demonstrate affordability, we can help find a way.” Covid-19 had a huge impact on the majority of businesses, and was a make or break moment for many. Bluestone used this situation as an opportunity for growth, especially as so many mortgage businesses simply couldn’t handle the global pandemic. “The economic impact of the Covid-19 pandemic has reiterated the importance of the type of specialist lending Bluestone businesses deliver.” By responding well to the global pandemic, Bluestone has demonstrated how quickly and expertly it can respond to a crisis. The cost of living crisis is on the rise however, Bluestone is working tirelessly to combat any panic or stress that may be instilled people all around England. With an incredible 4.7 star status on Trustpilot, with 453 reviews, it is clear to see how Bluestone has formed such strong relationships with clients over the years. George W said, “This case flew through once it was re-submitted. I liaised with Chris Lamming with regards to the plausibility of the case and documentation required as the case was quite complicated but it went through super smoothly and very quickly. This was the best experience yet with Bluestone on case placement and underwriting. Underwriters were communicative and since the packaging was good, the experience was great.” Kirsty A enthused, “Thank you again Bluestone. Amortgage offered today for a couple who didn’t think they could get a remortgage for their home improvements and debt consolidation due to some recent adverse credit. Bluestone were happy to assist and application was smooth from start to finish with support from the lovely Laurel as always and the fabulous team and underwriters.” These are just two examples of the kind of words Bluestone receives about its mortgage services, and we couldn’t be more delighted to present its work to you. Bluestone Mortgages has now won Best Complex Credit Mortgage Lender, England, in the UK Finance Awards 2022. Not only has it won this title, but it has also won a huge amount of respect and admiration from a huge number of people across the UK. If you’re looking for a mortgage, but have a complex relationship with your credit score,
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