Getting a mortgage might seem straightforward but sometimes it isn’t. Occasionally someone is refused a mortgage by a lender and is surprised to discover the reason why.

I’m sharing my top tips on how you can make sure you are in the best position to ensure you get a “yes” when it comes to your application.

Here’s top tip number four:

4. Stay in the black! Above all, keep your current account in credit. If you are forever going overdrawn, the lender will think you are a poor risk and unlikely to keep up your payments.