03/09/2026
🚨 THINKING ABOUT APPLYING FOR A MORTGAGE?
Then there are 3 things I’d STOP doing about 3 months before you apply. 👀
🔴 1. STOP relying on Buy Now, Pay Later
Klarna, Clearpay and similar finance might seem harmless when you pay it off on time, but regular use of short-term credit can be something lenders take into consideration when reviewing your finances.
🔴 2. STOP changing jobs if you can avoid it
Lenders like to see stable employment and income. A new job — particularly one with a probationary period — can make your application more complicated.
🔴 3. STOP gambling transactions
Even small betting transactions or regular lottery payments can appear on your bank statements. Depending on the lender and the overall picture, this can lead to additional questions or a manual review.
🟢 Instead, get MORTGAGE READY.
For the few months before applying:
✅ Keep your finances stable
✅ Avoid taking out new credit
✅ Stay within your overdraft limits
✅ Keep your bank statements tidy
✅ Avoid unnecessary finance applications
✅ Speak to a mortgage broker BEFORE making big financial changes
And please… maybe leave the “Rent for party supplies 😂” bank transfer reference in the past!
Your bank statements tell a story — make sure yours tells the right one. 📖
Planning to buy this year? Save this post and send it to someone who needs to see it! 📲
DM us or reach out on one of the options below.
mob: 07912258000
Tel: 02871160598
[email protected]
🔴Your home may be repossessed if you do not keep up the repayments on your mortgage🔴
