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@safehands Minimum 3, probably 6 months

@safehands They can see it in the bank statements you'll have to provide

@safehands What do you mean you quite often miss direct debit dates? A bank sees that and they will run a mile. Even now you don't sound reliable. Pay off all your debts and credit cards. Stop "missing" payments then look at applying again

@moej Conveyancers will usually ask for like 6 months of statements. So can you just wait that time and then say it's savings