I believe that it's partly to do with trader's psychology and partly to do with system they are using. If you don't follow rules of your system you are doomed and if your system doesn't give clear indications of action you should take - you are doomed to make losses.

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The next decision to be made is regarding amount of mortgage. The amount of mortgage will differ with lenders and type of mortgage taken. The risk involved in a mortgage deal will also decide amount of mortgage allowed to borrower. Mortgagors or borrowers have to extend a certain percentage of mortgage to lender as a deposit. More is deposit, more is amount tendered as mortgage. Before mortgage process is initiated, amount to be rendered as deposit must be arranged. Those who are unable to arrange deposits can take a 100% mortgage, where no deposit is required.

The borrower will have to fill up an application form for getting mortgages. They can either fill form online or make a personal visit to lender. Some lenders offer discounts for borrowers applying online.

A copy of credit report from main credit reference agencies, namely Experian and Equifax must be kept in handy. If there are any discrepancies in credit report then they must be immediately sorted out.

The property is valued to decide amount of mortgage that mortgagor qualifies for. The cost of surveys and valuation are to be borne by mortgagor himself. The borrower can request for a revaluation in case he feels valuation has been incorrect.

The pillar on which mortgage is going to stand is constructed in this stage. Various details of mortgage like manner of repayment and interest to be charged are to be decided.

One wrong step in mortgages and you could lose your home to mortgage lender. Though it is difficult to foresee future, one can at least provide well for future. Making well informed decisions can help cordon off ill effects of mortgages.