I've just been passing time and found this ready made frame in the Floral Stencil font I found recently, it only needed the little bit in the middle deleted.
I've added a mat with a topper, if you don't want the topper to have an aperture, select it, release the path and delete the inside centre line, then select all and remake the path. The same for the floral frame in the front of the card, just select it and delete. It can all be resized for a larger card.
I've also, changed and grouped the cutlines into colour groups if anyone wants to use it as line art.
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