What should I do to increase my chances of getting mortgage

Hi,
I am looking to move in a few months but at the moment I can only get approx 25k more than my current mortgage. I need 70k to be in a position to buy any form of house in the area I want.
What should I do over the next few months to maximise the loan I can get. I don't really save each month -earn a lot but tend to spend most of it besides what I put into my ssia (max). I can afford to save extra each month the increase that would be in my mortgage (eg if save €300 - this is approx how much my mortgage will go up with extra €70k -will they look at this as I can afford the extra)
I am prepared to spend the next few months saving like mad if I thought it would get me the extra.
I would appreciate any opinions!

Um, get a payrise? Snare a well paid partner?!

The bad news is that if interest rates go up again as predicted the amount you can borrow will reduce in line with stress tested criteria.

Sarah

www.rea.ie

euromillions on friday it is so!
Are the interest rates due to go up soon?

Consider buying with a friend/relation?

Yes - March and then June. Then possibly some more after that - depending on who you listen to.

No amount of saving will increase your income I'm afraid.

If you have an existing loan or fixed outgoings of any sort, reducing/eliminating would make a big difference in what you can borrow

try a different lender, or even a broker who would be able to maximise your borrowings.

Make sure the broker deals with most if not all lenders