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@rodan
Check your credit score, you might be surprised, you might not. The web-based services are actually quite useful, and if there are any things you could do to improve your score then they should be flagged up clearly. I put off looking for ages because I was convinced that late bill payments and general financial ineptitude during my twenties would have made me less likely to get a mortgage than Nick Leeson. Turned out that a recent history of repaying credit on time was enough to get a good score once I'd cleared up a couple of issues (eg. incorrect electoral roll entry).