Within the last 3 months, applicants cannot have:

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

Within the last 2 years, applicants cannot have:

• Any mortgage payment more than 1 month in arrears
• Any unsecured lending more than 1 month in arrears, unless the total amount in arrears is £100 or less
• Any unsecured lending more than 3 months in arrears, regardless of the amount