The best way to secure a mortgage often involves several steps such as: having a good credit score as lenders look at credit history to make a decision; saving for a sizeable deposit as the bigger your deposit, the lower your loan to value ratio will be; maintaining a steady income as lenders need assurance that you can make your mortgage repayments; doing your research to identify the best mortgage plans and getting pre-approved; and consulting with a financial adviser or a mortgage broker to help guide you through the process.