5 Non bank lenders who may say yes if the bank says no

If a bank declines your loan, non-bank lenders offer an alternative with more flexible lending criteria. They are a good option for borrowers who don't fit the traditional mould, such as the self-employed, those with bad credit, or a small deposit.

While they often charge higher interest rates and fees, they can be faster and assess applications on a case-by-case basis. Key lenders include Avanti Finance, Squirrel Money, and First Mortgage Trust for different borrowing needs.