10 ways to get a mortgage as quickly as possible

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In today’s video, we’ll be discussing the trick to getting a mortgage as quickly as possible. So, let’s get into it!

1. Check Your Credit Report

It’s a good idea to make sure you know what your credit rating looks like in advance.

This gives you time to fix any issues or make improvements.

We like using www.checkmyfile.com, a multi-agency credit report that checks data from Equifax, Experian, TransUnion, and Crediva.

This way, you’re less likely to miss something important.

Errors or overlooked issues are better for you to spot before the lender does.

2. Get on the Electoral Roll

Do this as early as possible.

It’s a simple way to boost your chances of getting a mortgage.

It may take a couple of months for your name to show up, so the sooner you do this, the better.

3. Always Pay Your Bills on Time

Defaults can stay on your credit file for up to six years.

Set up direct debits so payments go out automatically.

This reduces the risk of forgetting a payment.

4. Avoid Applying for New Credit Before Your Mortgage

Try not to apply for new credit three to six months before applying for a mortgage.

Lenders may worry if they see you’ve applied for multiple credit lines just before.

If you must take out credit, make sure it’s affordable and won’t impact your mortgage affordability.

Remember:

• With loans, lenders look at the monthly repayments.
• With credit cards, they look at the total available credit.

5. Stay Away from Payday Loans

Lenders don’t like to see payday loans.

Avoid them if possible.

6. Manage Your Overdraft Usage

Lenders like squeaky-clean bank accounts.

If you use your overdraft, keep it minimal.

Avoid hitting the full overdraft limit.

Always try to pay it off before incurring charges.

7. Get Your Spending Under Control

Lenders often ask for up to three months of bank statements.

They use these to check:

• Your income (salary, bonuses) matches what you’ve declared.
• You’re not overspending or living on the edge.

A healthy surplus in your account shows responsible spending and reassures lenders you could handle rate increases.

8. Manage Your Credit Carefully

Aim to use no more than 50% of your credit limits.

Avoid keeping lots of credit cards with high limits.

Close accounts you don’t use.

It’s good to have some credit history—but too many high-limit cards may raise concerns with lenders.

9. Put in a Little Extra Deposit

Even a small extra amount can help.

For example: if a lender asks for a £50,000 deposit (20%), consider putting in £50,200.

That small difference can make your application look stronger.

10. Speak to a Mortgage Advisor

Always worth doing early.

A mortgage advisor can give tailored advice for your unique situation.

They can help you find the best way to get your mortgage quickly.

Important Reminder:
Your home or property may be repossessed if you do not keep up with mortgage repayments.