Saha Ramiah.

Saha works with people the high street has already turned down over adverse credit, the umbrella term lenders use for a patchy borrowing history. A missed payment, a CCJ (a County Court Judgment, which is a court order confirming money you once owed) or a default sitting on your credit file: none of those close the door on their own. Saha knows the specialist lenders that read the full story behind a marker rather than stopping at the number on a credit score.

Rather than dwelling on what your file records about the past, she starts with a simpler question. What can you comfortably afford right now? For many clients that change of focus is what moves a bad credit mortgage from a flat no into an offer they can genuinely use.