Have Active Credit
Make sure you have active credit, whether it be credit cards, lines of credit, or loans. A common misconception is that no credit is good credit however this isn’t true as lenders base your viability as a client on your repayment history. If you have no credit history, it will be difficult to secure a mortgage with a co-signer or guarantor. The minimum a lender or mortgage insurer is looking for is 2 years credit history.