Keep documents up to date

It has been a very long time since people across the world saw some level of normality.

Because of this, it’s possible that financial documentation may have fallen by the wayside as priorities changed but Tom highlighted that those affected should get reorganised before moving forward: “Before speaking to a mortgage adviser, make sure all your income details, bank statements and pay cheques are up to date and you have them prepared before the first meeting.

“The more accurate information you can provide from the offset, the smoother the process will be.”

Of course, in the UK at least, financial documentation itself may have been altered by certain government support measures.

Thankfully, Tom detailed that this is understood from the lenders side and will be accounted for: