Buying a property is one of the most important purchases you will ever make.

1. 10 TOP TIPS TO HELP YOU TO SECURE A MORTGAGE
Dustin Rouse| Independent Mortgage

2. Top Tips to Help Youto Securea Mortgage
Mortgage
Buying a property is one of the most important
purchases you will ever make. We recognise
that not only are there may different types of
mortgages, but also many types of
homebuyers. We understand that buying a new
home should be one the most exciting times of
your life, however can seem a little daunting or
overwhelming. We guide you through the
process step by step ensuring you fully
understand the journey from start to finish.
Dustin Rouse

3. Top Tips to Help Youto Securea Mortgage
Mortgage
With so many mortgages available, there are
many things to consider when arranging a
mortgage. We offer expert advice and take
time to fully understand what is important to
you, what your future plans and requirements
are and how these affect your mortgage and
other financial needs. We offer unbiased
mortgage and protection advice and search for
mortgages from the whole of the market, often
accessing exclusive mortgage deals or
mortgages unavailable on the high street.
Dustin Rouse

4. Top Tips to Help Youto Securea Mortgage
Mortgage
With so many mortgages available, there are
many things to consider when arranging a
mortgage. We offer expert advice and take
time to fully understand what is important to
you, what your future plans and requirements
are and how these affect your mortgage and
other financial needs. We offer unbiased
mortgage and protection advice and search
for mortgages from the whole of the market,
often accessing exclusive mortgage deals or
mortgages unavailable on the high street.
Dustin Rouse

5. Top Tips to Help Youto Securea Mortgage
Ensure your are registered on the
Voters roll
On submission of your mortgage application,
lenders will search the electoral roll to
confirm your address history. If you are not
registered on the electoral roll, contact your
local authority to register your details. This
will improve your chances of obtaining a
mortgage
Dustin Rouse

6. Top Tips to Help Youto Securea Mortgage
Obtain a copy of your credit report
There are several credit reference agencies
which lenders can access to view your personal
information, such as electoral roll information,
details of your loans and/or credit cards and
other personal information. This helps lenders to
assess how well you will repay your loan. It is
important when submitting a mortgage
application that you submit accurate information
to the lender. You can obtain a copy of your
credit report from Experian, Equifax or call
credit.
Dustin Rouse

7. Top Tips to Help Youto Securea Mortgage
Establish a credit rating
Many people have never had any form of
credit. Whilst this is commendable, it is
good to show a lender your ability to
borrow and repay money. Do not borrow
more than you can afford, however using a
credit card to pay for your petrol or grocery
shop and setting up a direct debit to
ensure the balance is cleared each month
is a good way to earn points with a lender.
Dustin Rouse

8. Top Tips to Help Youto Securea Mortgage
Correct address
Ensure you provide the correct
address when applying for a
mortgage. Often incorrect address
formatting results in lenders not being
able to identify you. For example you
may live in Flat A, however on the
electoral roll it may be registered as
Flat 1. You can confirm how your
address is listed by obtaining a copy
of your credit report.
Dustin Rouse

9. Top Tips to Help Youto Securea Mortgage
Accuracy is key
Lenders will cross reference your
mortgage application with referencing
material such as your credit report, bank
statements, payslips and utility bills.
Ensure the information on your mortgage
application is accurate. Ensure your dates
of occupancy, start dates with employers
and how long you have had a relationship
with your bank are accurate. This will help
to ensure a smooth application process.
Dustin Rouse

10. Top Tips to Help Youto Securea Mortgage
Limited company directors or self-employed clients
Different lenders will assess company
accounts and tax returns in different
ways. It is important to seek unbiased
advice to ensure you are applying to
the right lender first time, opposed to
applying to several lenders at the same
time. This can have an adverse effect
on your credit rating and have a
negative effect on your mortgage
application. Speak to us for expert
advice in this area.
Dustin Rouse

11. Top Tips to Help Youto Securea Mortgage
Collate your paperwork
When applying for your mortgage most lenders
will require the following documentation:
Photographic identification, Address verification,
3 months bank statements, 3 months’ payslips,
your latest p60, evidence of your deposit if not
coming from the sale of your current home.
You can dramatically reduce the time it takes to
process your mortgage application by having all
this documentation available at the time of
applying of the mortgage.
Dustin Rouse

12. Top Tips to Help Youto Securea Mortgage
Is the property suitable for a mortgage?
Some properties are unsuitable for
mortgages purposes, especially flats with
short leases, above commercial property,
ex local authority properties or high rise
blocks.
Speak to us before making an offer on the
property to ensure the property is
acceptable to a lender.
Dustin Rouse

13. Top Tips to Help Youto Securea Mortgage
Too Many credit checks
Be careful about carrying out multiple
credit searches when buying a
property. The more times you apply
for credit the more footprints will
appear on your credit report. Too
many and you may be viewed as a
higher risk applicant.
Dustin Rouse

14. Top Tips to Help Youto Securea Mortgage
Speak to Key To mortgages
Call us today to benefit from unbiased
expert advice, ensuring you have the right
mortgage for your needs.
Having arranged the best mortgage for
your needs by searching the whole of the
market for the best deals, we will also
help you to ensure you are able to
maintain your mortgage repayments
should your circumstances change
Dustin Rouse

15. Dustin Rouse