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Canada’s lending requirements can be strict. These are three things you should avoid or risk having your loan declined.

Don’t wait to start a budget. You should have one before house hunting. It will help with long-term goals and help boost your savings. Waiting may lose you the house of your dreams.

Don’t ignore your credit score. Your bank won’t so you should also pay attention. Try to boost it before house hunting. Paying down debt can help.

Don’t commit to other investments. That car you’ve been eyeing? Wait until after you’ve closed. The same goes for any other large expenses. Save your money and don’t accrue debt.

Be financially savvy to get your loan approved.

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