Clement | Law Home Loans | Mortgage Broker on Instagram: "Separate your spending account from your savings account. The banks care about this: 👉 Can you consistently save? 👉 Do you have a genuine savings history? 👉 Can you show the 5% deposit if you’re buying under the First Home Guarantee (5% deposit scheme)? We don’t need to overshare, and this means less questions and a smoother loan application process. If you haven’t done this yet and you want to buy in the next 3-6 months, sort it out n