There are a few things that can stop you getting a mortgage. A bad credit history is one of the biggest problems. If you’ve had a lot of late payments or defaults on your debts, lenders will be reluctant to lend you money. Another thing that can stop you getting a mortgage is a low income. Lenders want to make sure that you can afford to repay the loan, so they’ll look at your income and outgoings to see if you have enough money left over. A high debt-to-income ratio is also a problem. This is the percentage of your income that goes towards paying off your debts. If your debt-to-income ratio is too high, lenders will worry that you won’t be able to afford the mortgage payments.