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With so much competition in the mortgage market borrowers are rightly shopping around to find the best deal, but it is important not to approach more lenders than necessary.

Most banks and building societies provide online systems to give applicants a quick “decision in principle” to let customers know initially if they will qualify for a mortgage.

However, it is worth remembering that these applications tend to leave a footprint and if you try more than a couple of times and with a number of lenders it can count against you.

Aaron Strutt, product manager at Trinity Financial, says: “We have spoken to a number of borrowers who have made multiple applications and it can cause problems particularly if you are declined.

“The lenders prefer applicants to keep applications to a minimum, although this doesn’t stop you from speaking to the banks or a broker. Each lender sets its own acceptance criteria and some are stricter than others.”

If you would like help to secure a leading mortgage, call Trinity on 020 7016 0790.  

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