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?
Can we and 1APP our lender portal help them find a lender?
Complex made easy, go on try it!
Can we help?
Just ask our team what we can do to support you and your clients
To discuss a case call 0330 127 0000
or email newbusiness@allmoneymatters.co.uk
Refer your case to us call 0330 127 0001
or email info@allmoneymatters.co.uk
