Ep 19: What To Do 6 Months Before Applying For A Mortgage

The Crazy House Prices Podcast

This episode is a must-listen for anyone embarking on the journey of buying a home, especially focusing on the crucial six-month preparation period before applying for a mortgage.

In This Episode:
- Getting Organised: Understand why the six months leading up to your mortgage application are vital and how to best prepare during this period.
- Credit Reports Decoded: Learn the importance of checking your credit report early and how to address any unexpected issues that might arise.
- Financial Habits for Success: Discover practical tips for maintaining clean bank statements and why certain spending habits can be red flags to lenders.
- Savings Strategies: Gain insights into effective savings techniques, setting up different accounts for various needs, and how to plan for additional costs beyond your deposit.
- Mortgage Exemptions Explained: Get a clear understanding of the recent changes in mortgage lending rules in Ireland, including exemptions and how they might apply to you.
Episode Highlights:
- The significance of being financially organised before applying for a mortgage.
- The impact of your credit history and how to preemptively tackle potential issues.
- Tips on managing your finances, from avoiding gambling transactions to handling overdrafts.
- Strategies for saving effectively, including how to allocate funds for immediate needs and long-term goals.
- Understanding the nuances of mortgage lending rules and how to potentially qualify for exemptions.

Support the Podcast:
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Sponsors: Beat The Bank & Daft.ie