When you're applying for a mortgage, any delay can hold up the entire chain of buyers and sellers, or even stop the sale going ahead. But you might be surprised at how seemingly minor details can derail the process.
Something as simple as the wrong address on your drivers' licence could prompt the lender to return your application and request more information - while more serious lapses may lead to a rejection.
Which? has rounded up the most common stumbling blocks to having your mortgage application accepted quickly and hassle-free.
Updating the address on your drivers' licence may not be top of mind when you're moving house - but failing to do so can lead to complications.
The easiest way to do this is showing your drivers' licence - but if the details don't match your current address, you may need to provide much more documentation.
Lenders will want to track where you've been living over recent years.
As part of this, the lender will check the electoral roll to see if it matches the information you provided.
Typos happen to everyone - but on a mortgage application, all your details need to match up.
If your bank statement, pay slips, proof of address or other documents contain a mistake - for example, they're addressed to 'Steven' instead of 'Stephen' - the lender is unlikely to accept them as evidence.
Check all your documents carefully and have anything that isn't right corrected, no matter how minor.
It's common enough to change your name after marriage, but make sure you have evidence of the switch, or the lender may not be able to verify your identity.
When changing your name on financial accounts, be thorough - if there's an out-of-date credit card out there with your previous name, it may throw up red flags.
But lenders will consider your overall credit limit when deciding whether to approve your application, not just the credit your regularly use.
For this reason, it can be a good idea to shut down any unneeded credit cards before you apply.
The lender will ask you to disclose any credit you have taken out, including loans and credit cards.
But there are other less obvious forms of credit that you may forget to mention. Some of the more common ones include:
If you're self-employed, you'll need to show lenders proof of your income for the current year (to the last October).
Normally, the lender will want to see at least three months' worth of bank statements - or, in many cases, longer - as evidence of your savings habits.
The lender may ask you to explain unusual transactions, so you should be prepared with evidence of anything likely to raise questions.
If you're being given the deposit as a gift, you'll need to provide a letter from the donor.
If you receive benefits as part of your income, you'll need to submit your benefits award letter.
The lender will want to see the latest version, meaning a letter issued within the past year.
But you also need to make sure this letter is up-to-date, reflecting your current income and the accurate amount of benefits that you receive.
Some of your documents - including proof of address - will need to be originals.
If you provide a scanned copy, or one printed off from online, the lender may ask you to provide an original instead, delaying the process.
Occasionally, errors can creep in - for example, if a previous tenant at a property failed to pay a bill.
Before you apply, order a copy of your credit report and check whether it's accurate.
Paying a bill a few days after the due date may not seem like a big deal, but lenders may be wary if they see late payments on your credit history.
How seriously the lender will take it may depend on the number of late payments and how much you owed.
In some cases, lenders may just ask for an explanation. But if it's a serious lapse - for example, you're consistently late, or you've ever missed a mortgage payment - they may reject your application out right.
In a financial rough patch, you might turn to a payday loan, but doing so can have repercussions for years to come.
Many lenders are unwilling to lend to someone with a payday loan on their record, even if it was fully paid off on time and from several years ago.
Whatever your circumstances, one way to ensure your mortgage application goes smoothly is to speak to an expert mortgage broker. They can help you find the right deal and advise you how to strengthen your application.