Where it is otherwise reasonable for "savings" to be brought into account, determining whether or not a complainant is of sufficient means and, if so, to what extent the "savings" are to be brought into account, will have to be based on the facts of each individual case. It will be appropriate to require the complainant to provide adequate information to assist the firm in this task. Matters to be taken into account in this assessment may include:
(1) the length of the remaining mortgage term;
(2) the complainant's current and prospective resources;
(3) the amount of the capital shortfall in proportion to the endowment outgoings balance.