For our standard residential lending, CCJs can be ignored if they’re older than 36 months and have been satisfied. For Versatility, we can accept up to £500 within the last 36 months as long as it has been satisfied. We can accept up to £500 unsatisfied in the last 36 months on Versatility Plus.

We can also accept CCJs over 12 months old and up to £6,000 on our Credit Repair products.

Debt Management Plans will need to be satisfied over 36 months ago for our standard residential lending. On our Versatility criteria, DMPs must be satisfied on or before application with satisfactory conduct for a minimum of 12 months. Unsatisfied DMPs can be accepted on Versatility Plus as long as there has been satisfactory conduct for 24 months.

For our Credit Repair products, Debt Management Plans can be active as long as there has been satisfactory conduct since inception and it has not been entered into in the last 6 months.

• A minimum of 6 years for standard residential lending up to 95% LTV
• A minimum of 4 years on Versatility up to 85% LTV
• A minimum of 3 years on Versatility Plus up to 80% LTV
• No minimum period on Credit Repair, as long as the applicant is discharged bankrupt or the IVA has not commenced in the last 6 months with satisfactory conduct

On Versatility and Versatility Plus, there must be no defaults in the last 24 months and any defaults over 24 months ago can be ignored whether they have been satisfied or not. For our standard residential lending, there must be no defaults in the last 36 months with defaults over 36 months ago ignored, whether satisfied or not.

Our Credit Repair products can accept credit defaults older than 3 months ago as long as the total value does not exceed £2,500.

Up to a maximum combined value of £250 can be ignored, whether satisfied or not, across all our lending types. In addition:

• Standard residential lending: there must be none in the last 36 months
• Versatility: there must be none in the last 6 months and up to £500 per applicant (either satisfied or unsatisfied) in the last 24 months
• Versatility Plus: there must be none in the last 6 months and up to £1,000 per applicant (when satisfied) in the last 24 months

Anything over 24 months ago will be ignored, whether satisfied or not on Versatility and Versatility Plus.

There is no maximum value, whether satisfied or not, on our Credit Repair products as long as there are none in the last 3 months.

• Standard lending: none in the last six months and no more than a status 1 in the last 24 months
• Versatility: none in the last six months and no more than a status 2 in the last 24 months
• Versatility Plus: none in the last 3 months and no more than a status 2 in the last 24 months
• Credit Repair: 1 in the last 3 months and no more than a status 3 in the last 12 months

There must be no rent arrears in the last 6 months on our standard residential lending and Versatility mortgages. On our Credit Repair products, there must be no rent arrears in the last 3 months.

For repossessions, there must be none in the last 6 years for our standard residential lending and Versatility mortgages. There must be none in the last 2 years for our Credit Repair mortgages.

• Standard lending: none in the last six months and no more than a status 2 in the last 24 months
• Versatility: none in the last 3 months and no more than a status 2 in the last 12 months
• Versatility Plus: none in the last 3 months and no more than a status 3 in the last 12 months
• Credit Repair: up to 1 missed payment in the last 3 months and no more than 5 in the last 12 months