On today's show, I am going to be giving you a tongue in cheek cheat sheet which will help you to get your application in with a lender and out the other side as quickly as possible. These tips are intended mainly for residential application but I am sure that a couple of them would easily cross over into commercial mortgage applications.

How to make your mortgage broker fall in love with you. While it is not 100% necessary for your mortgage adviser to love you I thought I would share with you some of the things which clients do which make their mortgage journey harder for them and the mortgage adviser working with them.

If you follow these little tips I am about to share with you, your mortgage journey will flow and you will notice that the whole process is much more stress-free and …. AND in the process your mortgage adviser will love you as a client in the process.

Provide all the documents you have been asked for. When I meet with a new client I provide them with what I call a shopping list of documents that are needed for a mortgage application. The word needed really should be underlined there. I can't tell you how many times I will turn up to a client's home for our meeting to find that they either have NO documents at all, half the documents or somewhere in between.

In order to obtain a mortgage, it is necessary for your mortgage broker to have these documents So by not producing the documents that you are asked for you prevent the adviser from doing their job for you.

It's incredibly difficult to properly source a mortgage for someone if you don't have all the facts and by not providing the payslips or proof of self employed income or the bank statements which you have been asked for - the adviser is not able to get the work done for you when it comes to the research stage.

What's more, by not having all the documents at their disposal the adviser isn't able to send the application to the lender.

So tip one is to obtain all the documents that you are asked for…. Your application will get off to a great start that way.

Tip 2 Make sure that your documents are in order. So once you get the document list from the adviser I would encourage you to get these in order - and by that i mean make sure that all the documents are there - all the information on these documents is correct (by this i mean that all the documents which have your address on them need to have your current residential address on them) and make sure that your driving licence has your current residential address on it. If any of your documents are not correct or show the correct information then do you upmost to get this altered.

Tip 3 Your credit report is a good way of capturing a lot of the information that you will be required to provide and the beauty of this report is that it's all there in a handy document. It isn't that uncommon for people to not know a lot of the finer details when it comes to their financial positions.

Aside from your credit score your credit report is actually a great way for you to know When you took out credit what credit limits are on your credit cards when you opened your mortgage whether or not your water bill is up to date. Sometimes people have open lines of credit and forget them and so your report is a great way of finding out without those lines are still open which then means you have an option of closing them down before a mortgage application.

And that's tips 3 - getting a copy of your credit report.