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7. Boost people errors on your own credit file
To access the best mortgage deals it is important to have a a good credit score rating. You can check your credit score for free with one of the main three credit reference agencies in the UK: Experian, Equifax and TransUnion. You can use your report to identify areas that you need to improve.
There are numerous things to do to improve your score, plus ensuring that all your valuable bills try paid back on time and you may lowering your bills.
Read our ultimate guide to replace your credit rating for the full lowdown. We've also put together a 12-month plan to a better credit score, which breaks it down into easy-to-follow steps.
5. Register in order to choose
Before you make a mortgage application, make sure you are on the electoral register as this can improve your credit score by around 50 factors. It also allows lenders to check that you are who you say you are and make sure the details on your application are accurate.
If you are not registered to vote, you can sign up online. It only takes about five minutes and you'll need your National Insurance number to hand. Check the Government's website to see if you are qualified.
six. Maintain your expenses money
Another important action you can take to boost your credit score and you will probability of having your app accepted is to keep statement payments.
Lenders will check your credit report to see how you've managed your finances in the past and use this data to predict your future behaviour.