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here's a simple way for you to figure out how Banks assess mortgages so you know how to get pre-approved faster okay so basically there is six main categories that you got to take off for the bank after you send them or we send them your application there are more categories but these are the main ones that they test you on so obviously deposit income debt level number of kids account conduct and credit the key thing for each of these to understand is that there is a threshold so obviously 10 deposit is the minimum that you need and then 5 to six times your income but the other key thing you understand is that if you've got more deposit then some of these thresholds change for example if you've got a really low credit score then you may only get approved if you've got a 20% deposit if you've got really bad account conduct you might have to have less kids or less debt to be able to get a tick from the bank and the inverse is true as well is that i

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