BEAT THE CLAMPDOWN

CANCEL any unused direct debits for magazine subscriptions or gym memberships. The more disposable income you have the more likely it is you’ll be accepted.

DO NOT make any big purchases, such as a new car or an expensive holiday, before you apply. And pay off any credit card debit.

CHECK your credit rating for free with Noddle ( noddle.co.uk or ClearScore ( clearscore.com). If it is