13 May 2026
Helping you find a way to say yes – for three years and counting
Three years ago, we launched Track Record with a clear stance.
If someone can pay their rent every month, that should count towards owning a home.
At the time, it was a first. A 100% mortgage that recognised consistent rent payments as evidence of affordability. Built specifically for renters stuck in the rental trap.
Three years on, Track Record is still doing exactly what it set out to do – helping you place cases that might otherwise go nowhere.
And the numbers back it up.
Since launch, Track Record has supported over 1,500 completed mortgages, helping around over 3,000 people onto the property ladder. That’s thousands of renters turned homeowners. And thousands of broker client conversations that ended with a ’yes’.
A proven way to place more cases
As a broker, you’ll see it a lot.
Clients paying rent month after month. Often higher than a mortgage payment would be. But struggling to save a deposit or falling short on traditional affordability checks.
This is where Track Record comes into its own.
Rather than focusing only on deposit size or conventional criteria, Track Record uses rental history as evidence of affordability. If your client has paid all their rent on time for at least 12 consecutive months within the last 18 months, that track record can speak for itself.
It gives you a practical route forward for clients who are financially disciplined, but blocked by the system.
Real broker stories. Real impact.
The impact isn’t just measured in completions. It’s in the moments when a client realises homeownership is possible.
One broker recently told us:
“A client… told me she had been given notice on her rental property and as a mother to a disabled son, they were mainly relying on her partner’s income and then the benefits she receives. So she thought her only option would be a 30% shared ownership property, as she only had a very small deposit.
By the end of our appointment, I had explained all about the Track Record mortgage that would potentially work really well for them, as they have been paying £950 rent for 3 years.
We dipped it and she could borrow up to £178k on a track record mortgage, meaning she could afford a full house rather than shared ownership, and would be able to use the few thousand pounds they had saved towards legal costs and moving costs. She was absolutely thrilled. She’s rang this morning and let me know she’s had an offer on a house accepted.”
Another broker shared a familiar story:
“Our client was caught in the all-too-common cycle of renting, where high monthly payments were making it impossible to save for a deposit. Despite this, she had a secure income, a clean credit history, and over three years of consistent rental payments – the ideal profile for Skipton’s Track Record.
She actually came to us convinced she wouldn’t qualify for a mortgage, so to be able to confirm not only her eligibility but an actual mortgage offer was a massive moment. She was genuinely overjoyed – a real turning point in her journey to homeownership.
From our side, the process was excellent. The affordability calculator was straightforward, the criteria was easy to explain to the client, and using eMortgages made submission and offer turnaround a breeze. It's a brilliant product and genuinely fills a gap in the market for renters with strong financial habits but no deposit.”
Different cases. Same outcome. A solution that works.
Common sense lending starts with real life
Track Record started with a simple idea. But it hasn’t stood still.
Over the last three years, we’ve refined it based on feedback, making it even easier to match with the right clients.
Enhancements include:
- Open to clients who haven’t owned a property in the UK in the last three years.
- Affordability increased to up to 150% of the client’s current monthly rent (calculated as a mean average over the last 6 months).
- Extended eligibility to customers in shared housing arrangements, where atleast 12 months of evidenced rental payment history can be demonstrated.
- Maximum mortgage term extended from 35 to 40 years.
- New build flats and Shared Ownership now accepted.
- Delayed start feature can now be used alongside Track Record, giving clients extra breathing room early on.
Each change is about one thing: giving you more flexibility, and your clients a better chance of success.
Core eligibility – at a glance
Track Record could be right for your client if they:
- Are 21 or over.
- Haven’t owned a property in the UK in the last three years. You don’t have to be renting right now to benefit.
- Have paid all their rent on time for at least 12 consecutive months on a UK property within the last 18 months.
A deposit isn’t required to apply. Deposits under 5% may be accepted.
Let’s find a way – together
We know the challenges your clients face. And we know the pressures you’re under to find workable solutions in a tough market.
That’s why Track Record exists.
For common sense lending. For practical solutions that reflect real life. For products built to say yes where others say no.
We were proud to lead the way with this approach. And we’re proud to keep improving it – working with you, listening to you, and backing you with tools and turnaround times that help you deliver.
Because if your client can afford the rent, let’s find a way to help them buy.
Find out more
If you’re working with clients who have strong rental payment histories but limited traditional options, Track Record could unlock real possibilities.
Learn more about Track Record mortgages.
Subject to eligibility and lending criteria.
