First Time Buyer

You need to ensure that you are as attractive as possible to Lenders you can influence this by: Checking your credit score and ensuring that any errors on your report are fixed as soon as possible. You should also ensure that you are not financially linked to any ex-partners or old flatmates with poor credit scores.

There are also a number of other things you can personally do to enhance your attractiveness, including:

  • Registering to vote
  • Managing your available credit carefully
  • Closing any inactive accounts
  • Paying your bills on time and staying out of your overdraft
  • Avoiding applying for credit shortly before submitting your mortgage application