Before applying, it helps to be prepared:

  • Check your credit – Know your credit history so there are no surprises.
  • Make sure you’re on the Electoral Roll – Lenders use this to confirm your identity and address.
  • Gather documents – Payslips, bank statements, ID, and, if self-employed, tax info.
  • Know your regular expenses – Bills, loans, and contracts. Having details ready makes the process smoother.
  • Keep your address consistent – Make sure it matches on all your documents to avoid delays.