Why Andy works this way
Most mortgage applications are decided by a computer working through a checklist. That’s fine for a straightforward case. It’s not fine if you’re self-employed with profit left in your company, buying a flat above a shop, or carrying a CCJ from a bad year that’s long behind you.
Craddock was set up to handle those cases properly. The same person talks to you, looks at the numbers, chooses the lenders and writes the case up for the underwriter, and is still there when the deal comes up for renewal.
Twenty years of watching how lending decisions are really made means Andy knows which cases work, which need the story told properly, and which are better not submitted at all.