Don’t fret. That’s where we come in. Even if you have been declined a mortgage due to your bad credit rating as a first time buyer or any other mortgage type, you still have a chance of securing your mortgage via a broker like us with “whole of market” access. In order to give yourself more of a chance to be accepted, you should make sure that your bills are paid on time every month, keeping your balances as low as possible (excluding your mortgage), showing the lenders that you are trustworthy and responsible with your monthly payments. You should also register on the electoral roll, as many lenders use this as a way of confirming your current address. Lastly, you should avoid making any more financial applications (this can be a mortgage, a loan, credit cards etc) as each time you apply this is saved to your credit history and could impact your chances.