How can I improve my chances of getting a mortgage?

Check your credit file to ensure that it is correct and complete. It should contain at least six years address history and your name, current address and date of birth should be correct. If you are not on the electoral roll do this immediately as it will improve your credit rating. Incorrect credit files are one of the biggest reasons for lenders declining to consider a mortgage application.

Need-to-know more? Read 5 Tips to Purchasing Your First Home.