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How to boost your chances of mortgage approval

MORTGAGES | 14.04.2025

Here’s how to boost your chances of getting that all-important “yes” from your mortgage lender…

Getting approved for a mortgage is one of the most important steps in buying a home, but it can also be one of the most nerve-wracking. Lenders assess every detail of your financial situation to decide whether you're a safe bet, and even small oversights can delay or derail your application. Here’s how to boost your chances of getting that all-important “yes” from your mortgage lender…

1. Check your credit score

Before you do anything else, check your credit report. Lenders use your credit history to assess how reliably you manage money. Make sure there are no mistakes on your file, and take steps to improve your score if needed, such as paying off outstanding debts, making payments on time, and registering on the electoral roll.

2. Avoid major financial changes

Lenders like stability. Changing jobs just before applying or taking out new credit (like a car loan or credit card) can raise red flags. If possible, keep your employment and finances steady in the months leading up to your application.

3. Manage your spending

In the lead up to your mortgage application, try to reduce non-essential spending. Lenders may ask for up to six months of bank statements, and consistent overspending or signs of financial strain can negatively impact their decision.

4. Save a bigger deposit

The more you can put down, the better your chances. A larger deposit reduces the lender’s risk and often opens up access to better interest rates. Aim for at least 10%, but 15% or 20% can make a noticeable difference.

5. Organise your paperwork

Have everything ready to go: proof of ID, bank statements, payslips or tax returns, and proof of address. Being organised shows lenders that you’re prepared, and helps speed up the process.  

6. Work with a mortgage broker

Mortgage brokers specialise in helping people get mortgage-ready. Independent mortgage brokers (such as Taylor Made) have access to a wide range of lenders, including those who may be more flexible with their criteria. A mortgage advisor will advise you on how to strengthen your application, find deals that suit your specific situation, and handle the entire process from start to finish.

Mortgage brokers based in Manchester

Whether you’re a first time buyer, moving home, or self-employed, we can help you boost your chances of mortgage approval, whatever your circumstances. Taylor Made are independent mortgage broker based in Manchester and operating throughout the UK. Speak to our team today for friendly, expert mortgage advice that’s tailored to you.
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If you're unsure and need some advice just give us a call, our expert team of advisers are available to help you choose the mortgage that is right for you.

0345 305 2540 info@taylormade-finance.co.uk

By clicking on the above link you will be leaving the regulated site of TaylorMade Finance Ltd. TaylorMade Finance Ltd is not responsible for the accuracy of the information contained within the linked site.

TaylorMade Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA Registration Number 669968). Company Registration Number 06742859

Complaints:

In the event that you wish to complain, you can contact us by email, telephone or letter.

Our address for this is:
Complaints Officer, TaylorMade Finance Ltd, 4 Church Road, Urmston, Manchester, M41 9BU. Our email address is info@taylormade-finance.co.uk and our telephone number is 0161 776 1089. We will then investigate the issues raised and inform you of our findings. Should you be unhappy with the resolution to your complaint you may contact the Financial Ombudsman Service, who can be contacted at the following address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Email: complaint.info@financial-ombudsman.org.uk
Phone: 0800 0234 567
https://www.financial-ombudsman.org.uk/

Your mortgage will be secured against your property.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Our fee for this service is 1.95% of the mortgage balance (minimum £1,295 to a maximum of £2,995 although reduced to maximum £1,995 without debt consolidation). Typically this will be £1,995.