One of the main things lenders are looking for is frequent and reliable cash injections – and cash deposits can raise concerns about tax.
Taking out a credit card – applying for a new credit card can have a knock on your credit score – particularly if you were rejected recently.
If you have multiple credit cards, or outstanding debt on them, this will also affect your chances of being approved.
Gerard Boon, partner at Boon Brokers, told Express.co.uk: “Not all lenders will scrutinise your bank statements, but if you’re seen as a higher risk, perhaps with a smaller deposit or from being self-employed, lenders are more likely to take a closer look.