Your credit status is IMPORTANT
When the recession hit lenders had significantly less funds to lend, so they became very stringent with lending. Essentially, this remains the same today although not quite on the same scale.
It’s well worth knowing what credit status companies hold about you before applying to a lender
It doesn’t have to cost anything to see your credit file
One of the UK’s leading credit rating companies is Experian. They offer a 30 day free trial enabling you to obtain a copy of your credit file. Should there be some adverse information then you can deal with it or approach the correct lender to maximise your success of obtaining a mortgage. If it’s clear then you have the confidence and peace of mind to approach a mortgage broker or lender for a mortgage knowing you’re in great ‘financial shape’.