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Stories

How Changing Jobs Can Affect Mortgage Approval In Australia
Changing jobs before applying for a home loan can make a lender look more closely at your income, employment history and ability to keep meeting repayments. A…
What to do if you find errors on your credit report
Your credit report is a record of how lenders and other approved providers have assessed your borrowing history. In Australia, it can include personal details,…
How An Authorized User Account Can Boost Your Credit Score
Building a stronger credit profile can make future borrowing easier, especially when you are preparing for a home loan in Australia. Your credit history helps…
How a secured credit card can support your mortgage plans
A strong credit history can make it easier for an Australian lender to assess your home loan application. If you have never used credit, have missed payments…
How to Improve Your Credit Utilization Ratio Before Applying
Your credit utilization ratio shows how much of your available revolving credit you are using. If your cards have a combined limit of $20,000 and the balances…
What A 43 Percent Debt-To-Income Ratio Really Means
A debt-to-income ratio (DTI) of 43 percent means that 43 cents of every dollar in your gross income is committed to regular debt repayments. It can be an…
How to Use a Mortgage Calculator to Plan Your Budget
A mortgage calculator can turn an uncertain home-buying idea into a set of practical numbers. By entering a loan amount, interest rate and loan term, you can…
Why comparing loan estimates can save money before settlement
Choosing a home loan is a major financial decision, and the cheapest-looking interest rate is rarely the whole story. Two lenders may advertise similar rates…
How to compare mortgage offers beyond the interest rate
A mortgage with the lowest advertised interest rate is not automatically the cheapest or most suitable loan. The real cost depends on fees, repayment rules,…
How to recognise predatory mortgage offers in Australia
Predatory lending practices in mortgage offers can be difficult to identify when you are focused on buying a home, refinancing before a fixed-rate period ends,…