Norton Home Loans helps self-employed chef with historic adverse credit buy their ex-council flat on a Right to Buy

25 February 2026

Norton Home Loans (NHL) has helped a self-employed chef, using a SA302 for their Proof of Income, buy their ex-Council Flat for £100,000 on a Right to Buy. The applicant also had satisfied and unsatisfied CCJs and defaults from 2020 and 2021.

The customer required a 25-year term which would take them into retirement age. NHL’s maximum age at the end of the term is 75, however the lender was able to agree to go beyond this (to the age of 79) due to the occupation and affordability being met. Norton Home Loans provided a mortgage of £39,000 at 39% loan-to-value.

With more than 50 years of experience in specialist lending, Norton Home Loans supports brokers with cases that fall outside standard criteria, including complex credit histories, affordability challenges, and non-standard income or property types. Its broker-first approach combines flexible criteria, individual case assessment, and direct access to underwriters.

David Binney, Head of Sales at Norton Home Loans, said:

“This case perfectly demonstrates how Norton Home Loans can help borrowers who, for whatever reason, are unable to obtain a mortgage via either the high street or traditional specialist lenders.

“Although this case presented certain challenges, it was clear to us at the outset that this was a good borrower with affordability and an occupation that gave us added confidence to lend beyond our usual maximum age at the end of term.”

For more information about Norton Home Loans, visit: https://www.nortonhomeloans.co.uk