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How to get your mortgage approved in 14-days

Getting your mortgage in place quickly, shows the estate agent you mean business and puts you in a better buying position.  

Follow these simple 5-steps:
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1. Get your credit file

Assuming you have a great credit rating can often result in you being turned down for your mortgage.  If you're looking to take out a new mortgage, you should get a up-to-date snapshot of your credit file.  This will highlight any potential problems before you start.

2. Establish your budget

All the banks & building societies have affordability calculators that will give you an accurate idea of how much you are able to borrow.  There's no point in looking at £250k properties, only to discover your budget is £200k?

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3. Do your research

If you want to get your mortgage approved quickly then using an independent mortgage broker is a must.  They have specialist tools that allow them to search thousands of mortgage rates in seconds.

4. Find a good solicitor

Getting your solicitor in place before you go house hunting means they will be ready to go once you find the place that's right for you.  Take your time, ask for a few quotes, but do not base your decision on cost alone.

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5. Get your documents in order

Not getting all your documents together right form the start is the quickest way to slow your application down.  Since the 2008 credit crunch things have tightened up considerably and the list of documents needed is substantial.

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1. Get your credit file

Credit Report No Back 500px 375px

Assuming you have a great credit rating can often result in you being turned down for your mortgage.  If you're looking to take out a new mortgage, you should get a up-to-date snapshot of your credit file.  This will highlight any potential problems before you start.

2. Establish your budget

Bugdet 500 500px

All the banks & building societies have affordability calculators that will give you an accurate idea of how much you are able to borrow.  There's no point in looking at £250k properties, only to discover your budget is £200k?

3. Do your research

Reserach 500px 500px

If you want to get your mortgage approved quickly then using an independent mortgage broker is a must.  They have specialist tools that allow them to search thousands of mortgage rates in seconds.

4. Find a good solicitor

Legal 500px 500px

Getting your solicitor in place before you go house hunting means they will be ready to go once you find the place that's right for you.  Take your time, ask for a few quotes, but do not base your decision on cost alone.

5. Get your documents in order

Books Docs 500px 500px

Not getting all your documents together right form the start is the quickest way to slow your application down.  Since the 2008 credit crunch things have tightened up considerably and the list of documents needed is substantial.