There is no doubt about it. If you are a first time buyer there are not as many deals out there at good rates as there used to be. Also you need to be able to prove your income, your name , your address etc, so don’t throw those pay statements away. Keep your P60’s and/or your tax returns. Keep your accounts, your bank statements, all details of any loans you have or any credit cards. All these will show up on a credit search so keep good records. And don’t fall behind on any payments, any late or missed payments can show on your credit report which may give you a poor report, or in the worst case scenario, cause all lenders to say no.
For advise, just contact Allan Heggs at Silverside Financial Services on 01455 557501. I will do all I can to help
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