A blog from Solent Mortgage Services’ Ian Balfour suggested that it remains difficult for brokers to place cases where the client has any form of adverse credit history.

Our poll asked brokers whether they had found it easier to place cases for clients with adverse credit histories during the last six months, but two-thirds (65%) of respondents said it was still hard to place such cases.

The remaining 35% said that they had seen an increase in the number of credit impaired cases being accepted by lenders.

Balfour called on lenders to provide further support to these customers: “These clients are not ‘sub’ anything, they are just clients who have had a financial blip through an unprecedented double dip recession. Call them clients and stop patronising these hard working people.

“To put this in context, I am not advocating a return to the bad old days of ‘anything goes’ lending. What I do believe is that we can only go so far to attract new business by lowering rates and tinkering with LTVs.

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“Of course, affordability and suitability must be the watchwords, but in denying credit impaired clients the opportunity to prove that they can borrow responsibly, a large number of the population will remain disenfranchised.”