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 mortgage application.

My ninth ‘top tip’ is:

Work out what you can afford. If you set out knowing what you spend every week, every month and every year – add in something for unexpected bills (a rainy day fund if you like) then see what you can manage, without stretching yourself. It will work out best in the long run…