Things to consider when looking for a new home or your first home

14th January 2026

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Things to consider when you are looking for a new home or your first home

Credit score:

  • Check your report and correct any errors
  • Register to vote
  • Avoid multiple applications
  • Keep credit card usage low and don’t withdraw cash
  • End financial associations with ex-partners
  • Pay more than the min on outstanding balances
  • Never miss a repayment
  • Avoid payday loans & deferred payment options

 

Affordability

  • Let’s work out your budget and make sure that it is affordable for you
  • Not all lenders offer the same affordability, let us take the guess work away and make sure that you are comfortable with the repayments.

 

Property Types

  • If the property is leasehold - How long is left on the lease and what charges are there?
  • Is the property standard construction?
  • Does the property have any cladding or balconies?
  • Is the property above or near commercial?

Contact us to chat about your mortgage journey - grant@lilywhitemortgages.co.uk or nina@lilywhitemortgages.co.uk

Or give us a call 07983504165 or 07394073118

 

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