Ordering less Take Away could increase your home loan chances

AAA Couple saveWhen applying for a Home or Car loan, not even your dinner is safe from scrutiny.

Personal spending habits on things like clothes, holidays, and takeaway food are becoming under scrutiny when a bank considers your loan application. Banks are now looking at bank statements to see how often you order Uber Eats, how much you spend on shoes and if you make a habit of putting on a bet at the races.

The process is made tricky with technology changing the game. People don’t use cash anymore, and everything can be tracked when you use a debit card, a credit card or even Apple Pay.

So when applying for a loan it’s important to keep in mind that someone is watching before making a purchase. Everything you do & spend will be analysed during the application process.

Here are 5 simple steps  that will help you increase your chances of getting a Loan:

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Will your interest rate go UP or DOWN ?


AAA Couple confused  If you’re buying a home or paying off a mortgage, your interest rate matters. After all, if interest rates go up, you could be paying more for your mortgage. If they go down, you’ll have more money in your pocket and may be able to afford to borrow more or pay your mortgage down faster.

So what are interest rates likely to do next?  And will this affect you? 

 

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Your Credit File is Changing – Will it affect your Loan application?

AAA Credit ScoreComprehensive Credit Reporting (CCR) is a change to credit reporting by banks in Australia.  

Previously, negative credit reporting was the system Australia operated under, which was based around only making a note of negative credit events such as missed repayments or defaults, bankruptcies and court judgments.

Under the new CCR, your credit report will become more detailed and will show a more complete & clearer picture of your credit history.

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Your Credit File is Changing – Will it affect your Loan application?

AAA Credit ScoreComprehensive Credit Reporting (CCR) is a change to credit reporting by banks in Australia.  

Previously, negative credit reporting was the system Australia operated under, which was based around only making a note of negative credit events such as missed repayments or defaults, bankruptcies and court judgments.

Under the new CCR, your credit report will become more detailed and will show a more complete & clearer picture of your credit history.

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How to get a home loan when you're a discharged bankrupt?

AAA Bankrupt   Bankruptcy can be life-changing, but it doesn’t mean you can never get a home loan.

Bankruptcy is not designed as a punishment. It is more like a financial “reset button.” It is there to help Australians who, through no fault of their own, find themselves in a position where they will never be able to repay their debts. 

This means that once your Bankruptcy has been discharged you can start building a brand new finanical life.. and leave the past behind

Here are some ways you can still buy a home despite being a discharged bankrupt...

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Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House
Mortgage Broker Gold Coast, Mortgage Brokers Gold Coast, House Deposit Percentage, How Much Deposit do I Need to Buy a House

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