Criteria guide

Missed payments

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