Ashleigh Smith

Applying for a Mortgage can seem a little daunting, especially when you don’t know what to expect. Making preparations six months, or even a year in advance can not only improve your chances of being accepted, it can open up the choice of mortgages available to you and, ultimately, save you a lot of money.

Unless you are in a position to pay cash for a house, then you will almost certainly need a mortgage to make your home-buying dreams come true.