Within the last 3 months, applicants cannot have:

• Any missed mortgage payments
• Any unsecured lending more than 1 month in arrears

Within the last 3 years, applicants cannot have:

• Any mortgage payment more than 1 month in arrears
• Any unsecured lending up or equal to £100 more than 3 months in arrears
• Any unsecured lending over £100 more than 1 month in arrears