New research finds young people only engage with credit once declined, with brokers best placed to intervene sooner
For brokers facing AI competition, adverse credit is proving to be a corner of the market worth knowing well
But many struggle to access mortgages under standard lending criteria
One in three adults affected, with issues rising fastest among young and higher-earning borrowers
Advisors are adapting fast as incomes grow more diverse, with some lenders stepping up to fill policy gaps
With specialist lending on the rise, brokers who stick to familiar products may be missing the industry's most profitable growth areas
