The world of mortgages and finance can feel pretty confusing sometimes - the jargon alone can give you a headache! By the time you've worked out the difference between your AIP, your APR, your HLC and your LTV you feel completely lost - and worse still, like you have no control over what happens next.

You're not alone! A lot of people feel pretty helpless when it comes to getting a mortgage - but that doesn't need to be the case.  There are a few simple steps that you can take to help make sure you get the best deal possible AND that you take back control again.

1) Check Your Credit Report

Your credit history plays a big part in deciding what mortgage rate you're offered. The better your credit score, the better the rate. SO it really helps to check your report often and especially if you're planning to apply for a mortgage soon.

This way you can avoid any nasty surprises down the line - a forgotten default, a disputed bill or even an error on your report.  

Oh, and if you do discover that your credit history isn't as good as you hoped, don't panic because a good mortgage broker will still be able to help you find a mortgage.

2) Save the Biggest Deposit You Can

If you're in a position to save - even if it's just a small amount each month, then every penny saved really can make a big difference to the amount you'll end up paying back on your mortgage.

Don't be discouraged if you can't save much - put away whatever you can because you'll be glad of it when it comes to getting your mortgage.

3) Speak to a Mortgage Broker

Your mortgage will probably be the biggest financial commitment you'll ever make - so why wouldn't you seek the help of an expert before taking the plunge?

A mortgage broker will often have access to deals which aren't available elsewhere AND they have the contacts and experience to be able to find the best deal for you, no matter what your circumstances.

Oh, and all that jargon? They can help you with that too...

If you're planning to get a mortgage or re-mortgage then we'd love help!  Just pop your details in the form below and one of our friendly advisers will get back to you.

PSST! Before you go...

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