New Year, New Home: How Your Resolutions Can Shape Your Mortgage Journey

Mortgage Resolutions

How Your Resolutions Can Shape Your Mortgage Journey – The start of a new year often brings with it a flurry of resolutions – promises to get fit, save money, or chase those lifelong dreams. However, amidst the familiar pledges, many overlook one potentially life-altering resolution: homeownership. As you embark on this exciting journey, integrating your aspirations into your mortgage plans can set the stage for a rewarding and successful year ahead.

Resolution 1: Financial Fitness

The cornerstone of homeownership often lies in your financial fitness. One of the most popular New Year’s resolutions is better financial management. This resolution aligns perfectly with your mortgage goals. Take the time to assess your financial health, manage debts, and enhance your credit score. This proactive approach not only increases your chances of mortgage approval but also secures better interest rates, potentially saving thousands over the life of your loan.

If you haven’t reviewed your credit file recently click on the link below to get a Month FREE trial with CheckmyFile: (Try it FREE for 30 days, then £14.99 a month – cancel online anytime)

Resolution 2: Saving for a Deposit

A common aspiration is to save more money. Channel this into your homeownership dreams by setting a specific savings goal for your deposit. Even small, consistent contributions add up over time, bringing you closer to that magical figure. There are various schemes and assistance programs available, so exploring these options can aid your savings endeavours.

Check out the LISA it’s a great way to start saving:

Resolution 3: Understanding Mortgage Options

Make it a goal to educate yourself on different mortgage types, terms, and rates. Empower yourself by gaining insights into the housing market and understanding how mortgage rates fluctuate. This knowledge equips you to make informed decisions that align with your financial objectives.

Resolution 4: Prioritising Homeownership

If homeownership is a priority this year, structure your resolutions around this goal. Set specific targets like attending first-time buyer seminars, working closely with a mortgage advisor, or browsing potential properties regularly. A clear focus helps streamline efforts and keeps the dream of owning a home at the forefront.

Resolution 5: Seeking Professional Guidance

One of the most impactful resolutions you can make is seeking professional guidance. A mortgage advisor can be an invaluable asset on your homeownership journey. They provide personalised advice, tailor solutions to your financial situation, and guide you through the complex mortgage landscape.

This new year, don’t just make resolutions; integrate them into your homeownership plans. Each step taken towards your mortgage goals brings you closer to the dream of having a place to call your own. Make 2024 the year you turn your homeownership aspirations into reality.

Remember, each resolution you keep brings you one step closer to the key that unlocks the door to your dream home.

If you’re looking for a mortgage, look no further! Get in touch with our team, and we’ll point you in the right direction.

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How to check your current credit score

A good place to start when you have issues with your credit file is to check your credit report.

It’s important to note that while having a good credit score can increase your chances of being accepted for a mortgage, there are other factors that lenders consider as well.  These include your income, employment history, debt-to-income ratio, and the size of your deposit.

To increase your chances of being accepted for a mortgage, you can take steps to improve your credit score and address any issues on your credit report, such as reducing debt, making payments on time, and disputing any errors on your report.

If you need further guidance with understanding your credit report, send a copy of your report to

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Ogbonge AfricanMama
Ogbonge AfricanMama
I reached out to Chris on facebook after i stumbled on one of his reels, i wasn't expecting anything positive from Facebook as i had been previously turned down by two major Mortgage Advisers. Natalie and Shirley took up my case and in a short while got me a high street lender despite the price of the property been raised by 20%. They carried me along all through the process and i was never left in the dark. I am a single parent , first time buyer and first time landlord. They also helped me get the right Legal Advisers and Insurance. I highly recommend their services. Thank you Natalie and Shirley. BR Gina
Chris Days
Chris Days
Amazing service
Graham Nicholls
Graham Nicholls
Rhiannon supported us throughout the mortgage application process. Very friendly, supportive, and knowledgeable. Highly recommended.
Calum Hayward
Calum Hayward
Absolutely brilliant service! I cannot fault Chris, Natalie and Shirley. They got us our dream home and supported us through the entire journey! Thank you!
Meg Talbot
Meg Talbot
We always thought buying our first house would be stressful, when we found this company through a few Facebook videos we thought we would enquire. Rhiannon got in touch with us and she talked us through the whole process and sorted so much for us! I would not recommend anyone else she has been amazing and we can’t thank her enough.
benjamin lee
benjamin lee
After seeing Chris days facebook reels I got in touch with gomortgage and was contacted by Laura who took some details of what I was wanting .Laura provided an outstanding service and nothing was to much even down to final details she explained everything and chased up the lender looking forward to doing buisness again in the near future. 5 star service would not hesitate to pass details on to any family friends etc
Meritxell Humbert
Meritxell Humbert
Very professional service, from the early beginning until the purchase is completed. Valuable and frequent updates to keep me up to date on the purchase process. Would recommend 100%
Russ Bury
Russ Bury
Chris and Shirley made getting my first mortgage so easy and quick. A very professional, friendly and personal approach. I would recommend them and Go Mortgage to anybody. Easily 5 star service. Thank you. Russ
Anita Winters
Anita Winters
Chris and Shirley have been so good in helping us secure a mortgage and guide us through to completion. Always ready to answer any questions we had and very responsive in correspondence. Would highly recommend.
Numan Ashequl
Numan Ashequl
We have been very stressed about our housing situation. We came across Laura Thompson. She went above and beyond to support our requirements providing an informative but tailored service for me and my family. We were able to contact her almost any time and she was delightful to talk to. We really appreciate all she has done. Really a great service from Laura outstanding professionalism. Thank you so much to go mortgage and to LauraThompson!!