It is likely that I will be looking for a mortgage within the next year.
I am in a permanent & full time position for the past 8 years.
I have had various car loans over the years but have been loan free for about 2 years now.
I have a credit card, which I clear fully every month.
I pay my rent directly to landlord (cash) so have no 'trail' as such for this, as I withdraw from the ATM.
I don't have a direct debit for savings, but transfer money regularly into a savings account and have 10,000+ in one account. I have a credit union account where money is deducted from my wages and have about 10,000 in this also.
I have transferred the odd €10 into Paddy Power for a flutter on the Grand National!
That's a fair bit of personal info, but I'm wondering what I will need to show to a bank for mortgage approval, and if there is something I need to start doing now.
Thanks.
I am in a permanent & full time position for the past 8 years.
I have had various car loans over the years but have been loan free for about 2 years now.
I have a credit card, which I clear fully every month.
I pay my rent directly to landlord (cash) so have no 'trail' as such for this, as I withdraw from the ATM.
I don't have a direct debit for savings, but transfer money regularly into a savings account and have 10,000+ in one account. I have a credit union account where money is deducted from my wages and have about 10,000 in this also.
I have transferred the odd €10 into Paddy Power for a flutter on the Grand National!
That's a fair bit of personal info, but I'm wondering what I will need to show to a bank for mortgage approval, and if there is something I need to start doing now.
Thanks.