At Captain Mortgages, we believe knowledge is power.
Whether you’re a first-time buyer, home mover, or remortgaging, these tips can help you get mortgage-ready and save money.
1. Check Your Credit Report Early
Review your credit file for errors and update any incorrect information. A strong credit score can unlock better rates.
2. Save for Fees and Extra Costs
Budget for solicitor fees, valuation costs, surveys, and removals in addition to your deposit.
3. Avoid New Credit Before Applying
Lenders prefer stability. Avoid taking out new loans or credit cards right before your mortgage application.
4. Keep Your Employment Consistent
A steady income and employment history will strengthen your application.
5. Get an Agreement in Principle (AIP)
It shows estate agents you’re serious and gives you a clear budget before viewing homes.
6. Review Your Mortgage Regularly
Don’t let your deal expire onto a higher rate — we’ll help you remortgage in time to save money.
7. Work with a Trusted Adviser
A whole-of-market broker like Captain Mortgages can access deals you won’t find online or directly with lenders.
Every mortgage journey is unique — and we’re here to help you make informed, confident decisions.