Banks say no every day. We find the lenders who say yes. Fill in the form and get a decision from our specialist panel — no obligation, no credit footprint.
Enter your property details — we'll calculate your available equity and match you with lenders in seconds.
From declined applications to urgent bridging needs, we have access to a wide panel of specialist lenders.
Turned down by your bank or broker? We work with specialist lenders who consider complex cases — adverse credit, self-employed income, non-standard properties and more.
Need fast, short-term funding? Our bridging finance solutions can be arranged in as little as 48 hours — ideal for auction purchases, chain breaks and refurbishment projects.
Funding for ground-up developments and major refurbishments. We source competitive rates from specialist development lenders with flexible drawdown schedules.
Release equity without remortgaging. Second charge lending lets you keep your existing rate while accessing additional funds secured against your property.
Finance for offices, retail units, HMOs and mixed-use properties. We match your commercial lending needs with the right lender from our specialist panel.
Multi-property investors need specialist lenders who understand portfolio structures. We arrange finance across buy-to-let portfolios of all sizes.
Our streamlined process means you get answers fast, not excuses.
Fill in the form above. Tell us about your situation and what funding you need.
Our team assesses your case and matches you with the most suitable lenders from our panel.
We present you with clear, transparent funding options — rates, terms and timelines.
Once you’re happy, we handle the process from application to completion.
Mainstream lenders follow rigid criteria. When they say no, it doesn’t mean the answer is no everywhere. We work with specialist lenders who take a pragmatic view of every application.
We operate with full regulatory awareness
Trusted by property professionals
Decisions in hours, not weeks
Free initial consultation
Don’t let one rejection stop you. Get in touch today and let’s find the right funding for your property plans.
Get Your Free ConsultationAnswers to the questions we hear most from homeowners who’ve been declined.
Yes. Mainstream banks use rigid credit criteria that reject many applications. Specialist lenders take a holistic view — considering income, equity and circumstances rather than just credit score.
A second charge loan is secured against your property, sitting behind your existing mortgage. It allows you to borrow additional funds without remortgaging, so your existing rate is unaffected.
Bridging finance can be arranged in as little as 48 hours in straightforward cases. Complex cases typically complete within 5–10 working days.
Not necessarily. Many of our specialist lenders consider applications with adverse credit history, including CCJs, defaults and missed payments, depending on the amount, age and circumstances.
The initial consultation is completely free with no obligation. Any fees are clearly outlined before you proceed — there are no hidden costs.
itsadecline is a lead generation service. All lending decisions are made by our panel of FCA-authorised specialist lenders, who are regulated by the Financial Conduct Authority.