The first thing you can do to improve your chances is to take a glance over the current state of your credit to see what the bank will be looking over when they process your form.Firstly try and get a contribution together to show you are serious about your offer. Most people if they make savings on their costs by evaluating their vital spends versus their wants you will manage to accrue some funds.
This will make your application look more potentially attractive since you are balancing some of the risk of the mortgage yourself and this should aid your chances.If this is not possible, then you will have to to apply for a 100% mortgage.
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This means the bank lends you all of the mortgage value and you give back the bank the funds over the agreed time span. This can be helped by yourself in order to improve your chances.
Put yourself in shoes of the bank manager and look at your application objectively and unbiased. If you were the bank manager, would you lend to your application and offer the finance?If your answer is no, you need to write down why you wouldn't!
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Look to see if there is doable changes, then change them to boost your chances. Once you have improved them it may be worth leaving the application for a couple of months for the amendments to start showing. Ensuring the investment is a good risk should also be looked at since should you default on the loan and the bank will need to be able to reclaim their funds.
