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When applying for a mortgage, simplicity is key. Treat your application like a CV to make it easy for the bank. Understand that mortgage brokers are doing their job and aim to have a smooth process. Ensure you have your deposit ready and maintain clean bank accounts—keep transactions straightforward. Ideally, you should have a current account for daily expenses, a separate savings account, and if applying as a couple, have both individual current accounts and a joint savings account. This structure helps present a clear financial picture to the lender.
