Within the last 3 months

• Mortgage payments: No missed mortgage payments
• Unsecured lending: No financial agreement to be more than 1 month in arrears

Within the last 3 years

• Mortgage payments: No mortgage to be more than 1 month in arrears
• Unsecured lending: No financial agreement to be more than 1 month in arrears (arrears balances <=£100 if <=3 months in duration).