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Download from ALL Filehosts as a premium user at incredibly fast speeds!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.This will ensure that you are demonstrating enough income to get the loan you require. Set up a file that contains 12 months' bank statements (make sure none are missing and order replacements from the bank if they are) and three to six months' payslips; if you are self-employed include three years of accounts or SA302s or tax returns; you'll also need a utility bill and a copy of your passport; as well as a full and detailed income and expenditure summary.That way you will be organised and ready to go when it comes to making your mortgage application. Run your bank account as if you already have a mortgage for at least three months before applying for a loan. If you’re self-employed, make sure the latest possible accounts are prepared and submitted to HM Revenue & Customs. Don't make an offer on a house and then go on holiday. Some borrowers do not realise how much paperwork is involved with a transaction and that lenders can request more information.Don’t be a thief—save your grade, use Bib Me™ and give credit to those who deserve it!
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Avoid excessive spending, cut unnecessary subscriptions and memberships and don’t spend money on betting – lenders don't look kindly on it. If you work on a commission basis at all it is helpful to make sure that the three months leading up to your application show good steady levels rather than ups and downs. Being away during the process can slow things down dramatically. Make sure you have a good estate agent, a good mortgage broker and a good solicitor.
Together they cover every base and ensure a transaction goes through as smoothly as possible.
also, gotta love the forums, something else i haven't found on any of the other sites. Then please check out the Mobile Version of our website. It doesn't have all the features yet, but we're working on it.