Complexity in your financial management approach can also work against you if the lender deems it difficult to fully understand your financial footprint.  Simplifying your account structures with limited banks is important.  Ensuring that income flows are easy to follow and easily associated with expenditure is also helpful.  Holding many accounts across multiple banks with money moving across multiple accounts across multiple banks and between multiple people raise potential alarm bells with lenders.

Omitting information from an application can also work against your application. Omitting a credit card, or any other form of loan or payment instantly raises concerns that will work against your application.

Credit history is pertinent. Having insufficient credit history adds complexity, alternatively, poor repayment history, overdue payments and debt collection activity, are all reasons why lenders may reject a loan application.