Thinking about purchasing a property?
Let's make it happen.

When it comes to obtaining a mortgage, or even a 're-mortgage', there are things you can do to get yourself 'mortgage ready' and ultimately set yourself up for a quicker, smoother process.

If you take the time to do some early preparations (starting around 6 months prior to to you needing a mortgage), you could significantly strengthen your position and potentially gain access to mortgage rates that you wouldn't have been eligible for without the prep work.

So, what do we mean by 'prep work'?

One of the main hurdles when it comes to getting a mortgage is fitting and passing 'affordability checks'. You can read about affordability in more detail here, but simply put it's the process whereby a lender determines whether you can a) afford the requested mortgage and b) are trustworthy enough to lend money to.

There are things you can do to better your chances of passing these affordability checks;

• Improve/maintain your Affordability
• Improve/maintain your Credit Score
• Prepare Relevant Documents
• Self-Employed Specific Preparation

If you'd like to speak in detail about your current affordability status and how you can get yourself mortgage ready, please get in touch with us. We're a down-to-earth team and keen to help everyone reach their property goals. Let's see what we can do for you!