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If you’re not quite at that stage, the good news is that JC Mortgages can still help you prepare, answering your questions and readying you every step of the way.
You may be 12 months away from owning a home or even more, but that doesn’t mean you can’t start planning and preparing now. In fact, I like to tell clients that they are already on the road to owning a home the moment they call or contact me!
Of course, things can change along the way, in which case we just adapt our plan and take a detour on the map, but I promise you that we’ll get there!
You can watch my video here if you prefer, and here are some tips for your journey to homeownership:
Run a credit check, which will allow us to see any issues or problems with your credit well ahead of time so we can fix them or plan accordingly
Make sure to pay rent out of your bank account, as the mortgage bank will want to see this. If your landlord does want cash, just withdraw and then deposit it from/to the same bank.
Keep gambling off your bank statements and don’t do it online. (Gambling is a big no-no if you want to buy a home!)
Manage your bank accounts and money correctly. Don’t live in your overdraft and make sure everything is current and in good standing if you want to buy a home.