11/02/2026
Yesterday I received a declined Decision in Principle — something that can feel worrying and discouraging for a client.
However, rather than accepting the outcome, I contacted the lender directly and spoke with an underwriter to fully explain the case and provide additional context around the client’s circumstances. The lender has now reassessed the decision and confirmed they are happy to proceed based on the information provided.
The application has now been fully submitted and is with the same underwriter for review — giving continuity and confidence in the process.
This is exactly why using a mortgage broker is so important.
A computer-generated decision or an initial assessment doesn’t always reflect the full story. Lenders assess risk based on strict criteria and without proper explanation, cases can be misunderstood or declined unnecessarily. As a broker, I’m able to:
• Speak directly with underwriters
• Present the case clearly and professionally
• Provide context that automated systems cannot interpret
• Challenge decisions where appropriate
• Position the application in the strongest possible light
It’s not just about finding a mortgage — it’s about securing the right mortgage on the best possible terms, with the strongest chance of approval.
In situations like today, having someone who can advocate for you and navigate lender criteria makes a real difference.
This is the added value of working with a broker — expertise, relationships, and the ability to turn a “no” into a reconsideration.
