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The following article was published in our article directory on December 14, 2020.
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What You Must Do To Improve Your Chances of Getting a Mortgage

Article Category: Advice

Author Name: David Farrell

A professional financial adviser will give you lots of helpful tips that will increase your chances of getting approved for a home loan. Whether you are getting a mortgage for the first time, or already have one and are thinking of applying for another, their mortgage advice is even more essential to ensuring that you are approved.

Here are some actions you can take before you apply for a mortgage to increase your chances of success:

Check your credit report before applying. Lenders will use your credit report to establish how likely you are to pay back your mortgage. So make sure that you check them out so that you�ll know if there is anything that might prevent you from getting approved.

Make sure that you check your credit report from all three reporting agencies � Experian, TransUnion and Equifax � so that you�ll get a more complete look at your creditworthiness. If you spot any errors in reporting, get in touch with the agency at once to get it corrected. Also check your other reports to see if they also report the error.

If they will not correct it, contact the Financial Ombudsman. If you are in the right, he will instruct the lender to make corrections.

Improve your creditworthiness. Here are some essential things you have to do to increase your chances for a mortgage approval:

Always pay your bills and debt on time. This is something very basic that a lot of people fail to do, and it reflects badly on their creditworthiness. Missed payments will make you less attractive to lenders.
Register as a voter. The reason for this is that your presence on electoral rolls is used to confirm your identity. In addition, it also serves as proof of address.
Manage your credit. Try to keep your debt to less than 50% of your available credit. Avoid having too much available credit since lenders may be apprehensive that you could take on more debt than you currently have.
Reduce your spending before you apply for a mortgage. New rules mean that lenders have to test whether you can still afford your mortgage if rates went up by one or two percentage points. Hence, the lender may ask for proof of income and compare this against recent outgoings.
De link your accounts from your ex partner. If you�ve applied for joint accounts with somebody you�re now separated from, ask credit agencies for a notice of disassociation. Otherwise, any undesirable credit behavior on their part will also reflect on you and pull down your credit score, even if you otherwise have a great credit history.

Don�t expect every lender to treat you the same. Sending a similar application to different lenders would result in different results, particularly for those who don�t fit their ideal lending profile.

This is where seeking professional mortgage advice can be essential. Financial advisers can steer you towards lenders who are more likely to lend to you based on your particular financial situation, the amount you want to borrow and how much you can offer as a deposit.

Keywords: Income Protection, Mortgage advice

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