Mortgage Calculators

All success stories

Credit challenges — client stories

Anonymised client stories from Guaranti Group under credit challenges — what the family faced, what we did, and how it turned out.

4 stories

Low credit scorePrivate lendingTight timelineEvery Bank Said No on Credit — Guaranti Closed a $550K Private Mortgage in Days, on Competitive TermsMoving to the private market, comparing rates, fees and conditions across several lenders, produced a $550K approval within days — in time for the client to complete the purchase.Read the story $200–300K in card debt and a spouse off work — restructuring the household income, a $1.25M refinance completedThe team restructured the borrowing, and a $1.25 million refinance was approved — clearing the card balances in one move.Read the story Declined by the major banks over a low credit score — a year of rebuilding, then a transfer at a stronger rateAfter a year of steady payments and a rebuilt credit profile, the mortgage moved to a major bank at a more competitive rate.Read the story $70K income, a thin credit file, and a lender asking for a co-signer — rental income and an exception approval, $450K fundedThe team submitted to several lenders and secured $450,000, and the client completed the purchase of his first property.Read the story

Other topics

Pre-construction8 Refinancing6 Bridge financing5 Cross-border5 First home4 Self-employed3 Retirement2 Newcomers1

Cases are anonymized and drawn from real client situations.

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