Step 4:

Obtain a copy of your credit report from the major credit bureaus and review the information. Sort out any mistakes before applying for a home loan. If there are problems you are addressing, let the bank know. Lenders will look at your credit and financial situation to determine how likely you will be paying back the home loan.

Step 1:

Start saving for a deposit and registration & transfer costs. Even if you qualify for a 100% or 108% home loan, you must still keep in mind that your financial situation may require you to put down a deposit in order to qualify for a certain home loan amount.