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Get Mortgage-Ready This Year
2 min read
January 28, 2026
Review your finances
Now that the busy festive period is over, why not take this opportunity to organise your finances?
Go through your bank statements and identify where you can reduce your spending – not only will this help you save for a deposit, but it will make your mortgage application stronger in the eyes of a lender.
Set savings goals
There are many hidden costs associated with moving, including conveyancing fees, removal vans, stamp duty and surveys.
Considering these additional costs now will help you plan realistically and start saving accordingly.
Check your credit score
Most lenders use one of three main credit reference agencies to check your credit report – TransUnion, Equifax and Experian.
You can check your score for free now, giving you time to make any necessary improvements before applying.
Consult a mortgage broker
Seeking professional advice early can make sure you’re well prepared for the mortgage process.
It can help you set a realistic budget and gives you an opportunity to strengthen your application.
Speak to us if you’re thinking about purchasing a home or remortgaging this year.
We’ll go above and beyond to find the best solution for you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay and early repayment charge to your existing lender if you remortgage.
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At Thickbroom Mortgages, you’ll be supported by a team with on-the-ground experience who value their clients’ time and priorities.
