alderrose.co.uk 

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See what reviewers are saying

Rated 5 out of 5 stars

Brilliant service I received from Gus and Naheela. I needed funds to renovate and consolidate some debts. They were both amazing and efficient when it came to discussing all options. Would definat... See more

Rated 5 out of 5 stars

Thank you so much to both Mark & Beckie for all thier fantastic help obtaining our mortgage. Every step of the way they have been nothing but helpful,informative and understanding. They made sure we... See more

Rated 5 out of 5 stars

All the team at WTBSN have been great throughout the mortgage application process. Thankyou to Rachel, Samuel b, faith and Sam Jolley. Everyone that we dealt with were very helpful and easy to talk... See more

Rated 5 out of 5 stars

I had a very complex re-mortgage and Sam Burgess was an absolute legend as she kept me calm during a very stressful time when I had to ask for an increase in my offer from the provider. She passed me... See more

Company details

  1. Mortgage Broker
  2. Financial Consultant
  3. Insurance Broker

Written by the company

When the Bank Says No is team of professional mortgage and insurance brokers, dedicated to helping our clients achieve the finance they need to buy their home. Founded by our parent company Alder Rose Mortgage Services Ltd, we were born out of a desire to support people – no matter the complexity of their situation. Instead of sending more challenging cases to other brokers where we had no control over their experience, we wanted to be there for everyone – every time. Our mission? We’ve heard them all before, so let’s just tell you why we’re here and what we do well. Straight-up; no gloss, hype, or marketing lingo. We find mortgages for our customers, and give them the right advice first time. “When the bank says no – we say Yes“ People get rejected by lenders every day – that doesn’t mean you’re a bad person, though it can sometimes make you feel that way. Confused by free online services that can’t cope with real life situations, and stressed by the months you’ve wasted waiting, it can feel like there’s no one there to help. But we’re here to clear things up, and explain what solutions are out there.


Contact info

All reviews

(496)

243 reviews in the last 12 months

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Rated 5 out of 5 stars

If I could give 10 stars I would!

If I could give 10 stars, I honestly would……

From the very start, we thought getting a mortgage was absolutely not possible for us. We had less than perfect credit history & complicated circumstances.

Lucy was absolutely outstanding. She was honest, knowledgeable & calm. Even when things looked like they might fall apart, she kept working through the options & never made us feel like our case was a lost cause!! She explained everything clearly & kept us reassured throughout what was a very emotional process.

Rachel was also fantastic, always super helpful, responsive & making sure things kept moving behind the scenes. Even answering my 2738272 questions & dealing with my emotional breakdown like a pro when I found out we got the mortgage offer!

Together, they really made an overwhelming process feel manageable. Thanks to Lucy and Rachel, we now have our mortgage offer, which is something we genuinely didn’t think would happen at the start. They truly made what felt impossible, possible.

We cannot recommend them highly enough, especially if your situation isn’t straightforward like ours… or if it is straight forward, use them anyway because they’re amazing!

February 1, 2026
Unprompted review
Rated 5 out of 5 stars

Friendly team

Friendly, knowledgeable staff. Danielle always responded immediately to our calls and answered all questions no matter how minor. She made a usually stressful, difficult experience so easy and pleasant and ensured a lack of "jargon" meant we fully understood every stage of the process. Great communication, with an easy to use app. Would definitely recommend.

February 19, 2026
Unprompted review
Rated 5 out of 5 stars

Excellent Work!

I have to command the absolute dedication and determination which Naheela and Gus completely displayed during the entire loan process. Not only were they courteous, professional, and informed, but they also provided assurance when I needed it. I would not hesitate to recommend these two individuals who clearly are outstanding in what they do. Thanks so much for arranging the necessary funding when I needed it.

February 17, 2026
Unprompted review
Rated 5 out of 5 stars

When the bank says no

When the bank says no, you really must be go to this mortgage broker, who will do everything in their power to help you. We were mortgage prisoners in a house too small for our family and unable to buy a new house with the help of a high street lender. We want to say an especially big thank you to Danielle and Sam. We couldn’t have done this without you.

February 16, 2026
Unprompted review
Rated 5 out of 5 stars

Very helpful

Neela and Gus have been very helpful with this process
Made the process nice and straightforward

February 16, 2026
Unprompted review
Rated 5 out of 5 stars

I've had a great experience from day 1…

I've had a great experience from day 1 they found me the best deal, they stayed in constant contact throughout answering any questions I had and also chased up solicitors regarding status of sale completion, thanks so much to Faith and Samual

February 12, 2026
Unprompted review
Rated 5 out of 5 stars

I couldn’t have done it without them

It’s been such a long process, but Rachel and Richard never gave up. Rachel was always on top of things, keeping me updated and making sure everything moved forward, while Richard worked tirelessly to find the right mortgage for me. Thanks to their persistence and dedication, they managed to get me a mortgage despite all the challenges. I can’t thank them enough for their support and hard work! I really didn’t think I was going to get a mortgage. But thank you Richard and Rachel because without them it wouldn’t have been possible. I went elsewhere and no one could help me.
Honestly I recommend when the bank says no to anyone looking for a mortgage. The app is so easy and convenient to use.
I can’t say thank you enough. I really appreciate your help Rachel and Richard.

February 10, 2026
Unprompted review
Rated 5 out of 5 stars

From first contact to completion we…

From first contact to completion we felt that Bilal explained the whole process completely and in detail,he offered several options and explained why each was good for us or not so.one thing that stood out for us was his ability to totally understand our situation and then guide us through our options in a respectful and professional manner. I highly recommend them and the solicitors he recommended.The whole team was wonderful thank you 🙏

February 4, 2026
Unprompted review
Rated 5 out of 5 stars

Rachel and Richard were really helpful

Rachel and Richard were really helpful getting my mortgage sorted. I cannot thank enough WTBSN for making my dream of owning a property come true. I definitely recommend using them for all your lending needs

February 5, 2026
Unprompted review
Rated 5 out of 5 stars

Reliable Service and Smooth Closing: Creating a Stress-Free Home-Buying Experience.

We’ve had an exceptional experience with When The Bank Says No. Every team member has shown the highest level of professionalism, efficiency, and a genuine commitment to going above and beyond. Their support and dedication ensured a smooth and stress-free process, allowing us to complete everything and receive the keys to our new home. We are truly grateful to the entire team. Thank you, When The Bank Says No!

May 23, 2025
Unprompted review
Rated 1 out of 5 stars

Disappointed

Disappointed, waited a year after receiving an AIP from them of 7 percent and requiring a 14 % deposit, credit hugely improved and earnings went up by 10k only for them to get me a terrible deal of requiring over a 20% deposit and 6.8% interest, literally worse than last year. Had far more reasonable offers come back through from other potential brokers, can’t understand what they’ve possibly put forwards to the lender to get such an abysmal quote back.

February 2, 2026
Unprompted review
Rated 5 out of 5 stars

I wanted to send a huge thank you for…

Dear (Richard Ganapathee)I wanted to send a huge thank you for all your hard work in securing my mortgage. I’m nearly there!
Your expertise and guidance made a daunting process feel smooth and manageable. I truly appreciate you going above and beyond to get me a great deal.
I will definitely be recommending your services to my friends and family!
Best regards.
(Mehari Robel)

January 30, 2026
Unprompted review
Rated 5 out of 5 stars

More than helpful

From my initial contact, Mark was more than helpful at every step, from application to completion Would recommend this company

January 16, 2026
Unprompted review

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