Not knowing your credit score, borrowing capacity or whether you'd be approved is more common than you think. Here is how to find out — for free, with no credit check and no commitment.
When you are referred to one of our specialists, they can run a soft credit check on your behalf — it shows them your credit position clearly without affecting your score. This is completely different from a formal application and carries no risk. It is the right first step.
No — checking your own credit score is called a soft inquiry and does not affect your score. Only formal credit applications (hard inquiries) affect your score. You can check your own score as often as you like for free.
Most mainstream lenders prefer a score of 600 or above. Some specialist lenders will consider lower scores depending on your overall financial situation. If your score is lower than 600, a specialist can advise on what is affecting it and give you a plan to improve it.
Yes — previous rejections do not permanently disqualify you. Lender policies change, your financial situation changes, and different lenders assess things differently. A specialist will review your current position and identify the right approach.
Casual and part-time income counts — but lenders want to see consistency. Generally you need 12 months with the same employer, and lenders average your income over that period. Some lenders are more flexible with casual income than others.
Use our free calculator on the homepage for an instant estimate. For a more precise figure that factors in your specific credit profile and the lenders available to you, our specialists can provide a full assessment at no charge.
Everything above is general information. When you’re ready to act on your situation, a vetted home loan specialist comparing 30–60 lenders will model your exact numbers — free to you, no cost and no obligation.
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