Credit histories across the UK are becoming more irregular, and for many borrowers, a single blip tells only a fraction of the story. The Mortgage Lender’s 2025 Home A-Loan research shows that 38% of adults have missed at least one bill payment within the year. 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.

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

TML recognise the difference between a momentary setback and true creditworthiness. TML look past isolated issues to understand real behaviour and commitment – giving borrowers a fair chance when others may not.

The Mortgage Lender’s offering is designed to see the whole picture:

• Allow up to 3 CCJs in 36 months
• Don’t look at CCJs under £300
• Do not have a value limited on CCJs or defaults and we do not need them to be satisfied
• Allow maximum 2 missed payments in last 6 months on each unsecured credit agreement
• Ignore communication and utility missed payments and defaults
• Consider active Debt Management Plans up to 85% LTV

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