Declined for Protection, Then Covered at Standard Rates
Turned down for cover, and another broker couldn't help? It might not be the end of the road.
How we got it done.
What they wanted
Cover to protect her income and her home.
Why it was complex
The case had led to a decline, and it had already been tried elsewhere without success.
How we structured it
Rather than resubmitting blindly, we went directly to the right underwriter with the full picture.
The outcome
Cover accepted with a single exclusion and otherwise standard rates, with no loading.

“A decline isn't always final. Speaking to the right underwriter can make all the difference.”Josh Halsey, Founder and Director
Every case is different and cover depends on individual circumstances.
This is a real, anonymised case shared with the client's permission. Every case is different, and outcomes depend on your own circumstances. We don't quote rates or guarantee outcomes.
Chatsworth Mortgage Group Ltd is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.
In a similar situation?
Book a free, no-obligation call with Josh and talk it through.
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Tell us what you're planning. We'll tell you honestly what's possible.


