OLIVE PRESS columnist Tancrede de Pola at The Finance Bureau offers his top tips…

• Better deals are to be had through your broker than the internet

• Avoid flashy advertising which is often misleading

• Quotes can only be compared on the same day due to market changes

• Watch out for incomplete terms and conditions

• Don’t rush: If you are offered a quote without giving over all your details, be aware!

• Make sure you keep up with all existing mortgage and loan payments

• Improve your credit score by putting all expenditure on a credit card and paying it off in full each month

• In the twelve weeks before you apply for a loan, run your bank account as if you already have a mortgage

• Make sure you are registered on the Electoral Roll at home

• Ensure you have a good estate agent, a good mortgage broker and a good lawyer.

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