BEAT THE CLAMPDOWN

CANCEL any unused direct debit for magazine subscriptions or memberships. The more dispo income you have the more likely you’ll be accepted.

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

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

anything less than good, wait to apply until you’ve improved it.

JUST because one lender says no it doesn’t mean they all will. But be careful not to make too many applications in quick succession or you’ll look desperate.

USE an independent mortgage broker. They will know where the best rates are and which lenders will most likely accept you. Try unbiased. co.uk on 0800 023 6868.