With the new CCCFA policy rules, we are seeing a whole new wave of media fearmongering headlines.

No, you will not get a mortgage just because you have KFC- there is much more to it.

But you will be declined if your bank statements show that you are living outside your means, or if there are some red flags on them.

So how can you make sure your bank statements are presented to help your application?

What things are considered "red flags"?

Should you have separate accounts for different spending expenses?

Should you take cash out to spend on things?

Lots of questions, and this week I am joined by our operations manager and admin extraordinaire Michelle who has looked at more bank statements than an IRD auditor.

We go over the things mentioned above and give you some extra tips on how to ensure you have your mortgage approved at the level you want.

Have a listen, and if you want us to look over your statements before applying for a mortgage then just email us at [email protected] or [email protected]