Darlington Building Society’s broker-only unit says the home loan suits those who have missed a small number of credit payments in the past but can show “evidence of their willingness and ability to repay a mortgage”.  

The offer is a five-year fix, at 5.89%, at up to 80% loan to value, with a £999 product fee.  

The mutual points out that the deal may also be useful for homeowners who have been with “a true adverse lender and are now at the end of a product period, but still have some small areas of adverse that high street lenders would not be willing to support with a standard remortgage”.  

Darlington Building Society head of intermediary distribution Chris Blewitt says the loan may fit, “an applicant who could have missed a credit repayment along the way in an otherwise perfectly suitable application, with sufficient evidence of affordability and willingness to upkeep mortgage repayments”.  

He adds: “By carefully assessing each application on a case-by-case basis, we can avoid the ‘computer says no’ approach taken by typical high street lenders.”