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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.

Mortgages for First Time Buyers | Nationwide

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.

How Much Do I Need For A Down Payment - First Time Home Buyer

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Continue Find out how to manage cookies and view our policy here. Need more information? Mortgage guides. Find out more in our guide to shared ownership. No matter how much you are able to save there will be options available to you but these will all depend on your individual circumstances.

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To discuss what choices are available to help you get on the housing ladder, call Which? On all mortgage applications, we receive a commission fee from the lender on completion. This is separate from our administration fee and is an additional fee we receive. Mortgage Advisers service, please see the full details of how to register a complaint. Mortgage Advisers is a trading name of Which? Financial Services Limited.

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