You can access your credit report using free or paid-for credit checking services so that you can check for any issues well in advance of making a mortgage application. Since the Mortgage Market Review came into effect in April , borrowers have been subject to more stringent checks than previously. Lenders check bank statements and may ask questions about spending habits, including debts such as credit cards and loans, travel costs and gym membership.
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But a lender will want evidence that you can afford to repay the mortgage amount each month with enough left over to pay off loans, bills and essentials while also leaving you with some disposable income. However, you might face steep early repayment charges if you want to end or change your product early, for instance if you sell up or move house.
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