Free download: The Ultimate Cheat Sheet
Get mortgage-ready before you apply.
Six plain-English steps covering what lenders look at, what to get ready and what to avoid, so you know where you stand before you speak to anyone.
- Written by a Wirral mortgage broker, not a bank
- Useful if you’re self-employed, contracting or have been told no before
- Emailed to you straight away, no call needed
What’s inside
Six steps, each with a short checklist you can tick off as you go.
What’s your income?
The proof lenders ask for, whether you’re employed, self-employed or contracting.
Have you checked your credit history?
How to see all three credit agencies for free, and why lenders read the report, not the score.
Start planning ahead
Bank statements, new credit and what you owe in the months before you apply.
Have you got your deposit?
Where it can come from, how much you’ll need, and the Lifetime ISA for first-time buyers.
Check what you can borrow
Mortgage in principle, getting your figures ready, and avoiding a hard search too early.
When to use a mortgage adviser
What a whole-of-market adviser does for you, from application to keys.
“A lot of the people we help have already been told no somewhere else. Planning ahead can sometimes be the difference between getting a mortgage and not, especially if you’re self-employed or run a business. This is the list I’d give a friend before they applied.”
Tom Williams, founder, Make Mortgages Easy
A small Wirral team, working across the UK
- Best Mortgage Broker in Wirral2024, Quality Business Awards UK
- Best Specialist Mortgage BrokerWirral 2025, Quality Business Awards UK
- 80+ lendersWhole-of-market access