Скачать или смотреть 3 things not to do before applying for a mortgage.

𝟯 𝗺𝗼𝗻𝘁𝗵𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝗮𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘀𝘁𝗼𝗽 𝗱𝗼𝗶𝗻𝗴 𝘁𝗵𝗲𝘀𝗲 𝟯 𝘁𝗵𝗶𝗻𝗴𝘀
1) stop using your credit cards even if you pay them off in full every single month. Stopping using your credit cards at least 3 months before your mortgage application will ideally mean that the balance will show as zero on on your credit report.
2) Opening too many new credit accounts so credit cards loans, car finance etc. If you open up quite a few new accounts in the lead up to your mortgage application it could get declied. If you have multiple credit searches within a very short time period this could indicate debt problems to a lender so therefore they could decline your application on that basis and see you as higher risk.
3) over spending. some lenders are very very strict on this so if lenders see that your are constantly overspending month on month, you are using your overdraft or if all of your money is going out of your account they could decline your application. Once again because they could see you as higher risk as if you can’t afford your current spending without using your overdraft they will think you can not afford your new mortgage payments. but if you can get into the habit of managing your money well and not over spending in the lead up to your mortgage it just makes things a lot easier.