Try to keep your credit commitments to a minimum in the 12 months leading up to the application. We know this can be really tough but it’s a good approach.
Saving for a deposit is hard work but it will be really beneficial and we are always happy to chat through tips on the best way to save.
Take your time to pull together the basic information – payslips, address history, employment history, property and solicitor details. Also plan out the total costs involved – solicitor fees, survey fees, removals etc.
Consider your mortgage options – chat to people, research online and find the solution that suits you best. The most important thing is that you are comfortable with the choice you have.
Always ask questions if you’re unsure. There are no questions too small and our advisers are here to help, whether you want a mortgage with us or not.