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• Credit score – That presents exactly how sensibly you have treated obligations in the past
• Loan-to-value (LTV) ratio – The greater guarantee you have got, the greater number of a lender enables you to borrow. The LTV proportion suggests simply how much your debt on your own home loan prior to just how much your home is worthy of. It is best to buy an enthusiastic LTV regarding 80% otherwise smaller.
• Your existing debt obligations since an amount of money – If you’re already not able to stay on ideal of your existing expense, your lender usually would like to know just how you’ll manage a different sort of large one to.