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\author{Dave Child (DaveChild)}
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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{UK Mortgage Application Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Dave Child (DaveChild)} via \textcolor{DarkBackground}{\uline{cheatography.com/1/cs/29026/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}Dave Child (DaveChild) \\
  \uline{cheatography.com/davechild} \\
        \uline{\seqsplit{aloneonahill}.com}
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 14th March, 2022.\\
   Updated 29th March, 2022.\\
   Page {\thepage} of \pageref{LastPage}.
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  Measure your website readability!\\
  www.readability-score.com
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\begin{document}
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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Important Notice}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{This cheat sheet does not replace professional advice on any financial matter including mortgages. It cannot be an attempt to provide individual advice on products or services. It is specially designed to provide you with general information and helpful links.} \tn 
% Row Count 6 (+ 6)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{I strongly recommend that you seek independent financial advice from a qualified professional as part of your mortgage application process.} \tn 
% Row Count 9 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Please note that in addition to mortgage advise, I also recommend you speak to or engage a mortgage broker, as they will be able to help you find a suitable mortgage for your circumstances.} \tn 
% Row Count 13 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.55618 cm} x{2.56312 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Step \{\{counter\}\}: Getting Started}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{5.377cm}}{This cheat sheet is designed to provide general help to people thinking about applying for a mortgage.} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
 & \{\{fa-check-square-o\}\} & Find this cheat sheet! \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & Print it out and tick off the items as you go. \tn 
% Row Count 8 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.23579 cm} x{2.88351 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Step \{\{counter\}\}: Good financial history}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{5.377cm}}{Your finances don't have to be perfect, but the better they look the more you're likely to be able to borrow and the better the rates you'll have to choose from.} \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
 & \{\{fa-square-o\}\} & Make sure you have at least 12 months with no late payments on credit cards, loans and other financial products. \tn 
% Row Count 9 (+ 5)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & Consider talking to a free, independent mortgage advisor (see: https://bit.ly/3q4MNsK ) \tn 
% Row Count 13 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.23579 cm} x{2.88351 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Step \{\{counter\}\}: What can you afford?}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{5.377cm}}{Use a mortgage affordability calculator like one of the ones below to see what lenders are likely to think you can afford to repay.} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
 & \{\{fa-square-o\}\} & \{\{link="https://www.nationwide.co.uk/mortgages/mortgage-calculators/borrowing-calculator"\}\}Nationwide\{\{/link\}\} ( https://bit.ly/3I3eM20 ) \tn 
% Row Count 9 (+ 6)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & \{\{link="https://www.barclays.co.uk/mortgages/mortgage-calculator/"\}\}Barclays\{\{/link\}\} ( https://bit.ly/3IelSRb ) \tn 
% Row Count 14 (+ 5)
% Row 3
\SetRowColor{white}
 & \{\{fa-square-o\}\} & \{\{link="https://www.moneysupermarket.com/mortgages/how-much-can-i-borrow/"\}\}Money Supermarket\{\{/link\}\} ( https://bit.ly/35SRaQF ) \tn 
% Row Count 20 (+ 6)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.41887 cm} x{2.70043 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Step \{\{counter\}\}: Check your credit report}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{5.377cm}}{You should check your credit report with the main three credit reference agencies, and make sure all the information in there is correct.} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Please note that you can {[}check your credit reports for free{]}(https://www.moneysavingexpert.com/loans/check-free-credit-report/) ( https://bit.ly/3uwEebs ). \tn 
% Row Count 10 (+ 7)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & \{\{link="https://www.equifax.co.uk/Products/credit/statutory-report.html"\}\}Equifax\{\{/link\}\} (equifax.co.uk) \tn 
% Row Count 15 (+ 5)
% Row 3
\SetRowColor{white}
 & \{\{fa-square-o\}\} & \{\{link="https://www.experian.co.uk/consumer/statutory-report.html"\}\}Experian\{\{/link\}\} (experian.co.uk) \tn 
% Row Count 20 (+ 5)
% Row 4
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & \{\{link="https://www.creditkarma.co.uk/"\}\}Credit Karma / Transunion\{\{/link\}\} (creditkarma.co.uk) \tn 
% Row Count 25 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
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\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.23579 cm} x{2.88351 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Step \{\{counter\}\}: Credit Score Cleanup}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{5.377cm}}{If you have any missed payments, defaults or similar major red flags against you on your credit report, address those before going further.} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
 & \{\{fa-square-o\}\} & It's imperative that you remove any errors from your report. Errors can be removed by filing a formal challenge with the appropriate credit agency. \tn 
% Row Count 9 (+ 6)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & Late payments are serious, but lenders will usually ignore one or two if they are at least a year old. \tn 
% Row Count 14 (+ 5)
% Row 3
\SetRowColor{white}
 & \{\{fa-square-o\}\} & If a late payment is to a smaller organisation, and you only have one on an otherwise unblemished record, you can write and ask them to remove the late payment from your record. There's no guarantee it works, but it's worth trying. \tn 
% Row Count 24 (+ 10)
% Row 4
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & Missed payments are more serious. They stay on your file for 6 years, and are likely to block your application, especially if you have more than one. \tn 
% Row Count 30 (+ 6)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.23579 cm} x{2.88351 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Step \{\{counter\}\}: Credit Score Cleanup (cont)}}  \tn
% Row 5
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & Credit defaults occur after several missed payments, and are likely to rule you out for all except the most specialist of mortgage providers. \tn 
% Row Count 6 (+ 6)
% Row 6
\SetRowColor{white}
 & \{\{fa-square-o\}\} & If you are connected to people with poor credit, you can ask the credit agencies to unlink you from them. \tn 
% Row Count 11 (+ 5)
% Row 7
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & Don't use payday lenders, as lenders usually see use of them as a red flag. \tn 
% Row Count 14 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.23579 cm} x{2.88351 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Step \{\{counter\}\}: Improve Your Score}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{5.377cm}}{You can improve your credit score by proving you are a low risk to lenders.} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
 & \{\{fa-square-o\}\} & No negative credit history is good, but not enough. You may benefit from some positive credit history as well. Free, low interest credit cards can be a good way to build up a credit history if you have nothing there already. \tn 
% Row Count 11 (+ 9)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & Creditors don't like to lend to people who look like they are reliant on debt. If you're using more than 30\% of your available credit, that may count against you. \tn 
% Row Count 18 (+ 7)
% Row 3
\SetRowColor{white}
 & \{\{fa-square-o\}\} & Make sure you are on the electoral register at your current address. \tn 
% Row Count 21 (+ 3)
% Row 4
\SetRowColor{LightBackground}
 & \{\{fa-square-o\}\} & Never withdraw cash from a credit card - it can appear on your credit report and can make lenders think you are overstretched. \tn 
% Row Count 27 (+ 6)
% Row 5
\SetRowColor{white}
 & \{\{fa-square-o\}\} & It is possible to have your rent payments appear on your credit file (see https://bit.ly/37u3wiD ), and that can be a benefit if you pay them consistently on time. \tn 
% Row Count 34 (+ 7)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Page Break}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{} \tn 
% Row Count 0 (+ 0)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.41887 cm} x{2.70043 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Good Credit Habits}}  \tn
% Row 0
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Don't withdraw cash on credit cards \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Don't miss payments \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Don't apply for other credit in the months before applying for a mortgage. That shows up on your credit report (a "soft search" does not). \tn 
% Row Count 11 (+ 7)
% Row 3
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Stay on top of your debt! If your score is clean, keep it that way by making your payments on time every time. \tn 
% Row Count 16 (+ 5)
% Row 4
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Don't use a "credit repair" company. You can do everything they can do yourself for free. \tn 
% Row Count 20 (+ 4)
% Row 5
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Cancel surplus unused cards. Too much available credit can be a negative for some lenders. One or two cards is fine, especially if they have good history. \tn 
% Row Count 27 (+ 7)
% Row 6
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Pay insurance annually if you can - if you pay monthly, this involves a credit search. \tn 
% Row Count 31 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.41887 cm} x{2.70043 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Good Application Habits}}  \tn
% Row 0
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Make sure you fill in all forms carefully. Mistakes, even innocent ones, can introduce significant delays. \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Be consistent if filling more than one form. Many lenders use automated fraud-scoring filters which don't like discrepancies (even innocent ones). \tn 
% Row Count 12 (+ 7)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & If you get rejected, ask why. Lenders are supposed to tell you why they rejected you and you can use that information to improve your chances of being accepted next time around. \tn 
% Row Count 20 (+ 8)
% Row 3
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Don't apply for credit too often. Lenders will see lots of refusals from other lenders as an indication those lenders have reason to reject you, and so may do so themselves. \tn 
% Row Count 28 (+ 8)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.41887 cm} x{2.70043 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{When To Use a Mortgage Broker}}  \tn
% Row 0
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & While many borrowers will not need a broker, mortgage brokers will be helpful to some, depending on circumstances. \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & A mortgage broker typically has the tools and experience to be able to apply to the best lenders to suit your circumstances. \tn 
% Row Count 11 (+ 6)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Mortgage brokers can also help you improve your application and speed up the whole process. \tn 
% Row Count 15 (+ 4)
% Row 3
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Be careful - while some mortgage brokers are independent, some are "tied" to specific lenders. \tn 
% Row Count 20 (+ 5)
% Row 4
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Some mortgages are "direct only", and a broker may not tell you about these unless prompted. \tn 
% Row Count 24 (+ 4)
% Row 5
\SetRowColor{white}
\mymulticolumn{3}{x{5.377cm}}{A mortgage broker may be especially helpful if:} \tn 
% Row Count 25 (+ 1)
% Row 6
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Your earnings are irregular (e.g. you are a freelancer or on a zero-hours contract) \tn 
% Row Count 29 (+ 4)
% Row 7
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & You are self-employed. \tn 
% Row Count 31 (+ 2)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.41887 cm} x{2.70043 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{When To Use a Mortgage Broker (cont)}}  \tn
% Row 8
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & You are a solo buyer. \tn 
% Row Count 2 (+ 2)
% Row 9
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & You are remortgaging or looking for a bridging loan. \tn 
% Row Count 5 (+ 3)
% Row 10
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Your circumstances are otherwise unusual. \tn 
% Row Count 7 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.41887 cm} x{2.70043 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Mortgage Mythbusting}}  \tn
% Row 0
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Your savings, salary, race, religion, medical history, and any criminal record are not held on your credit history. \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Soft searches - like the sort you usually get when checking likely acceptance of a credit application - are not held on your credit file. \tn 
% Row Count 11 (+ 6)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Council tax arrears and parking fines do not appear on your credit file. \tn 
% Row Count 15 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{5.377cm}}{Please note that a CCJ for any of the above {\emph{would}} appear on your credit file.}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4577 cm} x{1.41887 cm} x{2.70043 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{What Lenders Think}}  \tn
% Row 0
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Lenders will typically be confident a borrow can pay as much as 50\% of their gross monthly income on their mortgage payments, any other debts, and additional household costs. \tn 
% Row Count 8 (+ 8)
% Row 1
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Credit score numbers vary greatly between agencies and do not give a useful indication of the likely success or failure of an application. \tn 
% Row Count 14 (+ 6)
% Row 2
\SetRowColor{LightBackground}
 & \{\{fa-info-circle\}\} & Lenders like to see continuous employment of at least two years. \tn 
% Row Count 17 (+ 3)
% Row 3
\SetRowColor{white}
 & \{\{fa-info-circle\}\} & Lending criteria will vary greatly between lenders, but a mortgage broker will be able to approach the lenders most suitable to your circumstances. \tn 
% Row Count 24 (+ 7)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}