How do I improve my chances of getting a mortgage offer?

This is a good question and one we are glad that you are thinking about.

You can improve your chances of getting a mortgage by making sure that you don’t apply for further credit during the period when you are applying for a mortgage. This includes up to the point where you have a mortgage offer.

Some lenders will continually monitor your credit rating on a live system and if they see that you have applied for either a credit card, personal loan,  goods hire purchase (including sofas and household goods), car loan or other mortgages, then this could affect your current application or even your current mortgage offer.