Prime borrower - top up not required:  The last 3 months mortgage payments must have been made and there must be no more than 2 mortgage payments currently outstanding. 

Prime borrower - top up required:  There must be no missed payments within the last 12 months and no more than 1 missed payment within the last 24 months. 

Credit repair borrower - top up not required:  The last 3 months mortgage payments must have been made and there must be no more than 2 mortgage payments currently outstanding. 

Credit repair borrower - top up required:  0 missed payments in the last 24 months and would qualify for a prime top up product subject to the whole application meeting prime criteria. 

Applications with characteristics which we no longer allow:  
Any applications falling outside our new lending criteria may be considered on an individual basis.