There are a few things you can do to get mortgage ready.

For example:

  • Make sure your credit rating is in the good or very good category, there are a few different providers such as Experian, Clear Score and Credit Karma that are free to check and monitor your credit score.

  • Try to avoid taking out any credit or finance in the months leading up to applying for a mortgage. Each time you do this, you would usually be hard credit searched and all secured and unsecured lending is taken into consideration for your mortgage application. This will show up on your credit file and may impact your ability to get a mortgage.

  • Register to vote.

  • Make sure you're not going over your credit limits and you're paying them back on time.

To have a more in depth look at getting mortgage ready, you can visit the Money Saving Expert guide here.

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