You can be current on zero rate and still get an advance payment. But you have to be on the system. It will look at your current estimate and work out what advance you are entitled to. It only looks at ftba. Some people are not eligible. Some are eligible for the minimum amount (160.96) some are entitled to up to $1000 every six months. Having only one child the maximum, which you can get if you have estimate less than 46k PLYS rent assistance, is about 595. It is more likely, as a home owner, you'd Ve eligible for between 160 and 350ish.

If you have access to your file online jump on and check your eligibility. It's definitely nothing like you would get as your lump sum. Having not completed 10/11 will not hinder your application.