PROPERTY Putting finances in shape can help land a loan

• Banks tighten tests for home loans
• Fixing your finances can help land a mortgage
• Cancel credit cards, shop around, seek advice

TOUGH lending conditions for homebuyers are expected to continue for at least another year but there are ways to make yourself more appealing to banks and other lenders.

Five interest rate rises since October have not helped borrowers but mortgage experts say most people can improve their loan prospects.

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