How to clean up your finances so the bank gives you a mortgage

Each week the NZ Herald's Cooking the Books podcast tackles a different money problem. Today, it's how to get ready so the bank's more likely to say yes to a mortgage. Hosted by Frances Cook. <br /><br />We all know that house prices are soaring, making it harder than ever to scrape a deposit together. <br /><br />The trick is, when you're talking to a bank, getting approved for a mortgage isn't a black and white process. <br /><br />The bank does have a little bit of discretion. Just not much. <br /><br />They're charged with making sure they don't give you so much debt that it crushes you – which means, if you can show that you're financially a safe pair of hands, they might let you through with a smaller deposit than others. <br /><br />It's all about speaking the bank's love language. So what can you do to stand out from the herd?<br /><br />In the latest podcast I talked to Rupert Gough from Mortgage Lab. <br /><br />If you have a question about this podcast, or question you'd like answered in the next one, come and talk to me about it. I'm on Facebook here <a href="https://www.facebook.com/FrancesCookJournalist/" rel="noopener">https://www.facebook.com/FrancesCookJournalist/</a> Instagram here <a href="https://www.instagram.com/francescooknz/" rel="noopener">https://www.instagram.com/francescooknz/</a> and Twitter here <a href="https://twitter.com/FrancesCook" rel="noopener">https://twitter.com/FrancesCook</a>