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To meet these tough requirements borrowers have had to become savvy and get their finances in order well before they apply for a mortgage.
Most brokers recommend that this is done at least three months before lodging an application, but it can pay to change your spending habits up to a year in advance. Put all expenditure, except things that cost extra if you pay by credit card, on a credit card (preferably one that gives you cashback or some other incentive) and pay it off in full each month.
Most prospective borrowers know the basics – improve your credit rating by registering on the electoral roll, check for any credit file blemishes and avoid excessive spending in the run-up to the application. This makes your bank account look a little healthier because payment for expenditure is effectively delayed by a month, but more importantly when lenders see your bank statements they won’t see where you spend your money. Make sure all credit cards are on a direct debit to avoid the risk of missing a payment.
But here are some extra tips and tricks from three leading mortgage brokers to help you convince your lender to give you a loan. If you can’t afford to pay the balance off in full each month set the direct debit for the minimum and pay whatever extra you can afford separately. Reduce any other borrowing (except any 0pc credit card balance transfer deals) by as much as possible before applying for a mortgage.
A badly managed bank account is all that’s needed for an application to be rejected, even if the applicant appears to have plenty of income, as it suggests a failure to manage money responsibly. – Monthly cost of your repayments – The impact of rate rises on your mortgage 6.
If parents or grandparents are helping with the deposit, it has to be via a gift rather than a loan for it not to affect the affordability assessment.
Often, they have access to deals that you might not find otherwise.
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