When you get to that wonderful point in your life where you can buy a home it is important to know what not to do to when it comes to applying for finance.
Don’t make more debt
If you are going to buy a home don’t make any large purchases on debt before you go to the bank, this includes cars and furniture. This could raise your debt-to-income ratio and just might cost you that loan approval.
Don’t move your money around
When you apply for a home loan the bank will require a detailed account of all your accounts and income sources. It could create an unwanted impression if the bank picks up on the movement between accounts, especially large ones. Until your loan is approved, leave your money be. I have heard from other sources that banks like to see your salary lasting longer than a week, apparently it gives them more confidence in your ability to pay them back.
Don’t change your bank
Don’t change your bank just before applying for a loan. your current bank has ALL your records and you could probably get a loan easier from them. In the game of finance, it’s ALL about the paper trial, if you have a good one, you can borrow money much easier.
Remember these few tips when buying a home, and your life will be that extra little bit better and stress free 
