At Nicholas James, our goal is to improve financial inclusion by working with specialist lenders to help clients who might not have been able to secure funding previously.
We are committed to supporting clients who are struggling with poor credit history. We work with lenders who have a track record of making sensible lending decisions based upon individual circumstances and not solely on a credit score.
Higher Income Multiples
We work with lenders who value the story behind our client’s numbers. By offering a more human approach to underwriting we match our clients with lenders who value the reality of ‘people making decisions about people’ to achieve a more flexible outcome. With income multiples available in excess of 5 times earnings, we really can help our clients achieve their home buying dream.