If you have been declined elsewhere and need to know once and for all whether you can obtain a mortgage or understand what you need to do in order to do so then you need to speak with Paul Cross at the Finance Advice Center. My case was complexed to say the least. I have struggled to obtain credit in the past and was declared bankrupt in Jan 2016. I have a CCJ under £300, and a couple of small negative prints on my file. Having previously been declined a mortgage I thought their was little to no chance for us. My confidence being at an all time low in terms of credit etc. I wanted to keep going for the sake of my family so I set out one last time to find the very best broker in the market and if we were not successful this time round then at least I knew I have tried and covered all bases. Having spent two solid days researching companies from top to bottom I finally decided that 'Finance Advice Centre' were the ones I was going to work with. Their feedback from people in a similar position to myself was second to none. I also found an article based around a families success after using their services in a very complexed case like my own. That's it I was convinced these are the brokers I am using. Within 15 minutes Paul Cross had contacted me and was on the phone offering professional advice. No BS just this is what we have and don't have from the very off. He offered me confidence but was not overselling to me as I think he sensed both how much this meant to me and also how low on confidence I was with the whole processes. The very same night (Paul still on the phone at 8pm) he got my wife and I a deal in principle! As happy as I was beating the computer for the very first time on a mortgage application I was still left doubting that we wouldn't get through and something would go wrong once the underwriters got to work. We did encounter some hurdles to overcome, one of them being that we needed to pay off debt to help with affordability but this was something we were planning on doing anyway so went about our tasks, paid off our debts and closed our accounts. Paul has updated us via email, text, calls at all times. He has been super efficient and true to his word. He then called us only 4 weeks in to advise me that we have been approved and our official mortgage office was on its way to us! We have gone as far as asking Paul to thank his wife and children for allowing their husband/daddy the time to change families live like our own for the better. He was worked what seems like 24 hours a day which is why his extra effort and approach needs to be noted and shared with others. I want my review of Paul and FAC to be an inspiration for anyone who is struggling to obtain a mortgage. This review is hope for anyone who needs someone to believe in. Forget credit scoring. If you score is low these guys can find a way. Manual underwriters being one of them. We are not bad lenders, we pay our bills on time but just needed someone to trust us and give us a chance. Likewise I have seen plenty of good credit lenders obtain great mortgages also. These guys simply put your case forward to the best possible lenders to give you the best chance of approval. We now have another hurdle we need to try and get over in which our solicitor is unwilling to show evidence that we have paid off our debt. We again have no one else to turn to other than Paul who is now working on trying to find a solution to our new issue but I am very confident we will complete the purchase given the great work Paul, FAC and our lender have done for us so far. Paul secured our mortgage for us and words cannot describe just how good both he and the team at FAC are. They have changed our lives. Thank you! Thank you! Thank you!!!!