Re-mortgage: The lady was meeting the postman every morning so that her husband didn't see the credit card bills. She had become a bag of nerves and couldn’t see a way out of it. Several banks they spoke to had already said no. We found them a new mortgage which sorted out their worries. It took hundreds of pounds a month off their costs and even allowed them to build a new conservatory. East Sussex.

Retired couple, living on private and company pensions. Wanted to move to the country, to sell a period home and buy a bungalow. They had asked a few lenders, but despite a big deposit none of them would offer finance due to the lack of employment. We argued on their behalf that pensions meant safe income, more so even than salaries, and found them a 5 year fixed rate product which they were happy to accept. Dorset

First time buyers. Family of 6. Living in rented house which was short of space. Some credit history concerns from the past were causing them to be turned down by several banks. We found them a lender who would take them to 95% LTV on prime terms, and they bought their first home. East Sussex

It’s all about having Ambitions to succeed and get where you want to be