Credit histories across the UK are becoming more irregular, and for many borrowers, a single blip tells only a fraction of the story.

The TML 2025 Home A-Loan research shows that 38% of adults have missed at least one bill payment within the year.

But the challenge goes deeper. Among those whose mortgage applications were declined:

• 34% declined due to credit score issues – even with stable payment behaviour
• 41% took corrective financial action (budgeting, switching providers, consolidating debt)
• 28% say lenders judged their profile “too complex” despite stability

Yet mortgage performance remains remarkably resilient, with just 5% reporting a mortgage default.

This demonstrates a clear trend: borrowers prioritise their homes above all else.

We have lenders who recognise the difference between a momentary setback and true creditworthiness.

They look past isolated issues to understand real behaviour and commitment – giving borrowers a fair chance when others may not.

Do you have a client in mind who doesn’t fit the traditional mould?