Borrowers with Blips? We’re Built for That
Credit histories across the UK are becoming more irregular, and for many borrowers, a single blip tells only a fraction of the story. Our 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
We recognise the difference between a momentary setback and true creditworthiness. We look past isolated issues to understand real behaviour and commitment – giving borrowers a fair chance when others may not.
We see the individual, not just the credit profile.
Our offering is designed to see the whole picture:
- We can allow up to 3 CCJs in 36 months
- We don’t look at CCJs under £300
- We do not have a value limited on CCJs or defaults and we do not need them to be satisfied
- We allow maximum 2 missed payments in last 6 months on each unsecured credit agreement
- We ignore communication and utility missed payments and defaults
- Consider active Debt Management Plans up to 85% LTV
Have a client in mind who doesn’t fit the traditional mould? See how we can help them below.