02/06/2026
🏡 Thinking about applying for a mortgage in the next 6–12 months?
What you do now could affect whether you’re approved—and how much you can borrow.
Here are 10 things to avoid before applying:
❌ Taking out new credit cards, loans, or car finance
❌ Missing payments on bills or credit commitments
❌ Regularly using your overdraft
❌ Making large unexplained cash deposits
❌ Changing jobs unnecessarily
❌ Building up credit card debt
❌ Frequent gambling transactions
❌ Moving money between accounts excessively
❌ Spending your house deposit savings
❌ Ignoring your credit report
Instead, focus on:
✅ Paying all bills on time
✅ Keeping credit card balances low
✅ Staying on the electoral roll
✅ Saving consistently
✅ Keeping your finances organised and easy to understand
Mortgage lenders will typically review your credit history, income, spending habits, and bank statements, so a little preparation now can make a big difference later.
If you’re planning to buy your first home, move house, or remortgage this year, feel free to get in touch for advice on how to put yourself in the strongest possible position before applying 😊
☎️ 01507 606929
💻 www.canonindependentms.co.uk
📩 [email protected]
Looking for reliable mortgage advisors, who can recommend mortgage and protection plans? Call Canon Independent MS today. We serve Lincolnshire.
