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If you are property owner or a first time buyer, here are some things that give you a better chance of obtaining the mortgage you want.
Whatever type of mortgage you want, start by checking your credit report.
A credit report is the history of what you've borrowed, such as loans, mortgages and credit cards, plus your repayment record and other information that lenders take into consideration when they decide whether you are a good risk.
In other words - it's what lenders see when they're checking you out. And you want to make sure everything that's on it is proper and up to date!
Items in your credit report, along with details from your application, are used to calculate a credit score, which will determine whether you receive an offer and how much interest you will pay. So it makes sense to ensure that everything accurately reflects your circumstances.
You can check your Experian credit report now, using a free trial of a service called CreditExpert. It's your first step towards taking greater control of your finances.
Check your credit report for free online.
100% mortgages are no longer available and even 90% -95% deals are now very rare if available at all. So for many of you, the traditional 5 or 10% deposit is unlikely to be enough.
Before you submit a mortgage application you should consider the following:
If this is the year when your fixed rate mortgage expires, improve your chances of getting an affordable replacement deal:
Some experienced landlords are seeing falling house prices as an opportunity to snap up bargain properties. If you've assessed the risks and still want to invest in buy to let:
If you do indeed think you've got good chances, the next step is to speak to an unbiased mortgage adviser!
The benefit of an adviser is that they make quick, unbiased comparisons from across the whole market for you in order to recommend a suitable deal. They then see this all the way through to completion. This saves you time and money compared with sifting through quotes and small print from a handful of lenders by yourself.
To get a range of mortgage quotes and a personal recommendation, click here to speak to an unbiased mortgage adviser.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable leader and product for your needs.
So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.
Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.
"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"
"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."
"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."
"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."
Winner of AI Finance awards 2015 for:
Best personal finance comparison site &
Best online price comparison platform