Our Top Tips

We’ve pulled together our top tips when it comes to getting a mortgage

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Speak to an adviser as early as possible

Before you start looking for a property to buy, it’s really worth speaking to us. We can help you work out how much you’re likely to be able to borrow, and give you useful hints and tips that will help you prepare for the mortgage application process.

Your credit score matters

When a potential lender reviews your application, they’ll take a look at your credit report. Generally speaking, the higher your credit score the better your chances of getting a mortgage at a lower interest rate. Simple steps like increasing your monthly credit card repayments, registering on the electoral roll and not taking on additional borrowing before you make your application can help improve your chances of having a good credit score.

Make sure you’re buying the right property

You might fancy buying an unusual property, but it’s wise to remember that lenders can be quite conservative. Some lenders are unlikely to lend on flats above shops or businesses, and others won’t consider houseboats or homes that aren’t made out of bricks and mortar. If you’re buying an older property, your lender will need to be sure there aren’t hidden problems that could be costly to put right in the future. That’s why you need to have a survey done.

Your finances need to be in goodorder – do your sums ahead of time

Mortgage lenders are required by the Financial Conduct Authority to adopt an affordability-based approach to lending. This means that banks and building societies now scrutinise borrowers’ incomes, outgoings and credit history closely and can ask searching questions about your finances. They apply strict affordability criteria as they need to ensure that borrowers can comfortably afford their repayments now, and in the foreseeable future. It’s worth looking closely at what you spend and making sure your finances are in good order before making a mortgage application.

The bigger the deposit the better

Saving up for a deposit can be hard going, and the best advice is to start saving as much as you can as early as you can. The more you can put down as a deposit, the better the deal you can expect to be offered. Increasingly, more and more first-time buyers are offered financial help from their parents and grandparents.

We’re here to help


Getting a mortgage is one of the biggest financial decisions you’ll make, so it’s important to get it right. If you have any queries, or would like to discuss any aspect of mortgages, whether you’re moving up the ladder, looking to downsize, purchasing another property or remortgaging, please do get in touch. Call our team on 01270 443510 or complete our enquiry form and a member of our team will be in touch with you as soon as possible.

Warning statement It is important to take professional advice before making any decision relating to your personal finances. Information within this document is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for guidance only. Some rules may vary in different parts of the UK. We cannot assume legal liability for any errors or omissions it might contain. Levels and bases of, and reliefs from, taxation are those currently applying or proposed and are subject to change; their value depends on the individual circumstances of the investor. No part of this document may be reproduced in any manner without prior permission.

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Unit 11, Mallard Court, Crewe, CW1 6ZQ

01270 443510 (Cheshire)

No 1 Royal Exchange Avenue, London EC3V 3LT

020 3984 0375 (London)