Help from people working in the mortgage sector in the UK?

I have never had a credit card and so do not have a credit rating, would it be advisable to get a credit card for a while before applying for a mortgage so I can gain a good credit rating. Would this benefit me in the amount I can borrow?Help from people working in the mortgage sector in the UK?
It could be beneficial has long as your sensible. Use your card to pay for petrol, food, and such clear it at the end of every month.





Make sure when you apply for your mortgage that there is no balance outstanding on it.


Set up direct debits from your bank account for house old bills stay out of your overdraft conduct your account well.





Try to save a little every month to show that you can it will also go towards your deposit for your mortgage.


If you have no deposit then start saving now you will get a far better mortgage deal with a deposit than without one at all.





The amount you can borrow will be dependant on what you earn and what you currently are paying out. So dont gp taking out any loans or running up large outstanding balances on that credit card :-)





I wish you the very best of luck xHelp from people working in the mortgage sector in the UK?
dont worry, try www.haven-finance.co.uk





as long as you own your own home at the moment, you should be fine.
it is very unlikely that you will get a mortgage without some sort of credit score. it would be advisable to apply for a credit card - buy something with it - just has to be little - pay it off when the bill comes in and your credit rating will increase. Keep it going for a couple of months and this will help further.





try not to go too crazy with the credit card though!!!