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The next step in obtaining a mortgage approval is to ensure that all of your payment periods, such as monthly rent, utilities, and so on, are charged on time. Make space for all of the most recent records, such as utility bills and full-time job verification information.Put down a deposit for the mortgage with a general goal of 10% and beyond, but anything similar to that would put you in good stead for the lender’s faith in your ability to pay off the mortgage.Ensure that your credit card statements represent a good image of you, as this will go a long way toward obtaining a mortgage approval.