Are you Mortgage Ready
When the times comes for you to remortgage or buy for the first time, there are certain things you can do to speed up the process.
If you can get yourself as mortgage ready as possible (possibly around 6 months prior to you needing a mortgage) then when the time finally comes, you will be in a much stronger position and your mortgage could go through much quicker.
So what can I do to get myself mortgage ready?
When applying for a mortgage or when remortgaging, your lender will perform an affordability test on you, to see if your finances are in order and ultimately decide if you are trustworthy enough to lend money to.
The tests will include a look at your income vs your expenditure, so it’s important that you are able to show that you are capable of keeping your finances in order.
Read more: Are you Mortgage Ready
The Art of Decluttering
We all know that feeling when your house becomes so full that you feel like you can’t see the wood for the trees. If this sounds familiar to you, then it’s time to sit up and finally declutter your house, once and for all!
Over the years, your belongings build up. People buy you things for your birthday and Christmas, children or grandchildren buy and collect things, and before you know it your home is well and truly cluttered up and full to capacity, which is no good if you're looking to put your house on the market soon!
But don’t panic. There are several ways you can declutter your house, so have a read of the below for some helpful ideas of how you can make a good start…
Read more: The Art of Decluttering