TML has announced a market update, see below. The TML range of products are available through our direct to lender mortgage club and our fees free packager. Contact us to see how you can benefit from our club or packaged support.
View their latest product and criteria here.
Announcement
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.