The Intermediary – July 2026 - Flipbook - Page 11
FOR FCA AUTHORISED INTERMEDIARIES ONLY.
No, sorry. Nope. I’m
afraid not. That
won’t be possible.
U n f o r t u n a t e l y,
no.
That’s
not
something we can
do. I can’t approve
that. That doesn’t work,
I’m afraid. We can’t
proceed with that. That’s
a no from me. I’m
sorry, but we’re unable to
proceed on that
basis. Unfortunately, we can’t
move forward with
your application at this stage.
I appreciate your
interest, but we’re not able to
support this request.
Thanks for your enquiry, but this
doesn’t meet our
lending criteria. Regrettably, this
falls outside our
acceptable parameters. I’m afraid
this doesn’t quite
fit our requirements. We’re unable to
offer terms on this
case. After reviewing the details, we
cannot
proceed.
I’m sorry to say we’re not in a position to
assist on this one.
We’ll need to decline this application.
You don’t currently
meet the affordability criteria. Your income
doesn’t support the
borrowing level requested. There isn’t sufficient deposit for this loan.
The loantovalue is too high for us. Your credit profile doesn’t meet
our may not be the best fit currently. We might need to revisit this
later. It’s unlikely
we can proceed under current circumstances.
That
could
be
difficult to arrange. It doesn’t quite align with
lender criteria. We
may struggle to secure approval for this.
It’s a stretch based
on the current information. That would
be challenging to
place. Unfortunately, the deposit is too
low for the lender’s
criteria. We can’t proceed because your
income
doesn’t
meet affordability thresholds. The
lender won’t accept
this application due to credit history.
Based on We can’t
proceed as requested, though
we might look at
alternatives. This doesn’t fit, but
we could revisit in a
few months. That isn’t possible,
but adjusting the
deposit could help. We can’t
approve this, but
a different lender might
consider it. That
request won’t go through,
but
restructuring
could work. It’s not
viable now, but
there are steps we can
take to improve
things. We can’t place
this
deal,
but
we can review oth
N o ,
sorry. Nope. I’m
afraid not. That won’t be
possible. Unfortunately, no. That’s
not something we can do. I can’t
approve that. That doesn’t work, I’m afraid.
We can’t proceed with that. That’s a no from
me. I’m sorry, but we’re unable to proceed on that
basis. Unfortunately, we can’t move forward with your
application at this stage. I appreciate your interest, but
we’re not able to support this request. Thanks for your
enquiry, but this doesn’t meet our lending criteria. Regrettably,
this falls outside our acceptable parameters. I’m afraid this
doesn’t quite fit our requirements. We’re unable to offer terms
on this case. After reviewing the details, we cannot proceed. I’m
sorry to say we’re not in a position to assist on this one. We’ll need
to decline this application. You don’t currently meet the affordability
criteria. Your income doesn’t support the borrowing level requested.
There isn’t sufficient deposit for this loan. The loantovalue is too
high for us. Your credit profile doesn’t meet our requirements. We’re
unable to verify sufficient income for this application. The figures
don’t stack up, I’m afraid. This falls short of the lender’s affordability
checks. There isn’t enough evidence of stable income. The financials
don’t support approval at this time. Not at the moment. It’s not
something we can accommodate right now. This may not be the
best fit currently. We might need to revisit this later. It’s unlikely
we can proceed under current circumstances. That could be
difficult to arrange. It doesn’t quite align with lender criteria. We
may struggle to secure approval for this. It’s a stretch based
on the current information. That would be challenging to
place. Unfortunately, the deposit is too low for the lender’s
criteria. We can’t proceed because your income
doesn’t meet affordability thresholds. The lender
won’t accept this application due to credit
history. Based on current rates and income,
it doesn’t work. The requested amount
exceeds what Having assessed
MORE WAYS
TO SAY YES.
Every first-time buyer is different.
So is the answer.
your
application, we must
decline.
Unfortunately,
More borrowing power with up to 7x income.
100% mortgages for deposit-free buyers.
Flexibility built in because life happens.
Ready to say yes? aprilmortgages.co.uk/broker
All applications are subject to affordability assessment and lending criteria. Higher borrowing relative to income may increase
repayment risk, particularly if client circumstances change or interest rates rise. A 100% Loan-to-Value mortgage means your
client is borrowing the full value of the property, increasing the risk of negative equity if property prices fall and potentially
making it difficult to sell or remortgage. Ensure your client understands the risks and can afford repayments, as failure to keep
up mortgage repayments may result in their home being repossessed. April Mortgages Limited. Registered Office: 158-160
North Gower Street, London, NW1 2ND. Registered in England and Wales company number: 13514833. April Mortgages Limited is
authorised and regulated by the Financial Conduct Authority (FRN 989666).