What is your credit profile behavior like?

Before even thinking of looking for a home you need to have an updated credit report. You are able to obtain one at no cost every year from Experian, TransUnion or Banks will review and score you for the following:
– your spending and repayment pattern
– have there been any late or non-payments
– what are the outstanding balances on your current accounts
– what deductions are showing on your payslip, eg insurance policies, garnishee orders, etc
– are there any notices/ judgements