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How To Get A Great Mortgage In 4 Steps

Without a mortgage, life can be difficult if you don’t have enough funds to secure the dream home or apartment that you so truly want. Getting a mortgage can be like winning the lottery for some people as it gives them a helping hand to pay for the home throughout their lives, and in the best scenario at a rate which is more than affordable.

If you are desperate to attract a lender and get your mortgage underway, then there are a few steps you should follow to make sure you can make the best impression possible, and hopefully receive a great mortgage!

Make sure you are in steady employment

The first step is to make sure you are in steady employment. If you know you want to apply for a mortgage, then you really should think in advance about the factors lenders will judge you on, and employment is one of them, a really crucial one in fact. Without being steadily employed for at least 2 years, your chances of getting that mortgage are less likely. If you can prove you have been working sufficiently for the same employer for more than 2 years, however? You are much more likely to be accepted as it shows the lender that you are responsible and stable.

Long periods of unemployment will be unfavouring for your application as well as a pattern of low earnings. Therefore, make sure you take all of this into consideration before you even think about making an application.

Go online rather than offline

Using online comparison websites such as Habito allow you to find the best deals suited to you for absolutely nothing. Unlike having to make an in-person appointment with brokers, online agents are available 24/7, 7 days a week and is completely jargon free! They truly make your mortgage finding experience a lot less stressful and even more enjoyable!

Improve your Credit Score

Your credit score is what lenders will look at when it comes to assessing your application. They will want to see an image of someone who is financially sound, and who is able to make all of their repayments on time. It makes sense therefore that your score must be of a higher level to attract the best possible rates. Experts at  MyFico.com state that the best mortgage rates go to individuals with credit scores of 760 and above. The lower your credit score, the more your interest goes up, so having a healthy credit score is crucial if you want a mortgage with a good rate.

Control your Spending habits

What you spend is also considered by lenders when it comes to assessing your potential for a mortgage. Lenders will want to make sure you don’t overspend, and that you are always left with something in your bank at the end of each month. If you have any red patches on your account, this will be a red flag to lenders and they will be more likely not to offer if they see this. Therefore, it is highly recommended you should try to cut out any unnecessary spending and make sure you always have some extra money set aside for emergencies. A budget planner can help you to keep track of your spending. The cleaner your account, the more chance of getting accepted for that perfect mortgage.

If you take these 4 steps into consideration, you will definitely be able to secure a mortgage more successfully than had you not known about this information beforehand. Keep your finances and spending habits in shape and you will be securing a great mortgage in no time.

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