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When it's time for you to think about a mortgage, you should know that there are some things you can do yourself a better deal. In most cases, they can spread over a few months, but will prove themselves in savings over the term of the new mortgage. Here are some of the things.

1. Look over your credit scores

You need to make a copy of your credit report from the big three (Equifax, Experian and TRANS UNION) and look for incorrect information. It is not unusual for the wrongly on a credit report. It takes only but one element to adversely impact your credit score. Bring it up where they should try to correct everything that is not where it needs to be.

2. Raise Your Credit Levels

If you find that your credit is really not on the level where you get the feeling it might take some time (if you wait) and increase. This can be done by credit card, report to the credit bureaus, from the short-term loans and pay them on time and fast.

This could be a crucial factor when a mortgage is worth. The interest rate, you can largely on the basis of your credit scores. Generally all three points (or more) are averaged and that is the figure that the lender will have on the calculations.

3. Reduce your total debt

It is always a good idea to reduce the debt, before your application for a mortgage. You can use the debt, and bad credit, you get the best rates if your debt is about 28% of income or lower. With more than this is the size of the mortgage may be more than you. While it is possible to select a different type of mortgage, such as an ARM, it may not be the best in the long run - depending on which Art

Reduce your debt is your ability to pay. You can choose from several credit cards and other small debts by consolidating with 0% APR interest credit cards for their introductory offer, but you really do not want to close all those credit cards. End of one or two open, perhaps even with small balances, could be helpful in your credit rating as they are all closing down.

4. Get a bigger deposit Ready

This will help you enormously, by the total amount that you need to borrow. The more you can the definition means that you have a lower risk for the lender. They are more confident that you and give you a lower interest rate. Your goal should be somewhere in the vicinity of about 20%, if possible.

Another way to save when you actually start shopping tour around for your mortgage is to compare a range of mortgage offers. Look for the best offer after you accept the terms and the various options. Even if all of the above to get the best price, you can lose it by simply on the wrong treatment - so be careful.

Joe Kenny writes for the Loans Store, offering re-mortgage offers, or to the latest mortgages on ukpersonalloanstore.co.uk.
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