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If you’re self-employed, make sure the latest possible accounts are prepared and submitted to HM Revenue & Customs.

Using other people’s research or ideas without giving them due credit is plagiarism.

If you can’t afford to pay the balance off in full each month set the direct debit for the minimum and pay whatever extra you can afford separately.

Reduce any other borrowing (except any 0pc credit card balance transfer deals) by as much as possible before applying for a mortgage.

Make sure all credit cards are on a direct debit to avoid the risk of missing a payment.

But here are some extra tips and tricks from three leading mortgage brokers to help you convince your lender to give you a loan.

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