Maximum Unsecured Arrears in last 24 Months

Our standard acceptability

3

Criteria definition:

Indicates if we can potentially accept Buy to Let applications from an applicant who has unsecured arrears in the past 2 years and if so what is the maximum number of missed payments in the past 2 years that can be accepted.

Policy Notes:

Any unsecured loan must be up to date at the time of application. A maximum of three month’s arrears within the last 24 months will be allowed, provided the account is currently up to date. An explanation of any arrears will be required.

Cannot have missed more than 2 months consecutively.

Criteria categories:

• Adverse
• Arrears and Debt Management Plans

Last updated:

07 November 2025