Top tips for loan approval

• Ensure your loans and credit card payments are up to date. Every lender will carry out a credit check with the Irish Credit Bureau when you apply for a mortgage.
• Lenders will look for the most recent 6 months Bank statements so make sure you keep your current account in good order – no missed direct debits, no referral fees.
• Regular savings are important. Lenders like to see evidence of regular savings no matter how small as this helps to provide evidence of your ability to budget your finances.
• If you have a credit card, try to clear the balance on a monthly basis and don’t withdraw cash on the card.
• Avoid online betting transactions on your current accounts.