Top 10 ways to get the best mortgage Government schemes to encourage new housebuilding and ease planning restrictions, announced earlier this month, are important steps in the right direction. But first time buyers and existing homeowners may find they are little use if the mortgage famine that began five years ago and continues with the credit crisis today prevents them getting the homeloan or remortgage finance they need. Fortunately, there is no need to suffer in silence. Here are 10 tips from independent experts to help you get the best possible mortgage or remortgage. 1: Make sure you are on the electoral roll You may have thought you could forget about politics for the next five years but failure to be registered on the electoral roll means you will not get a mortgage. Lenders are increasingly worried about fraud and are keen to ensure borrowers are who they say they are.