Your credit file decides your loan’s outcome…not your income!
You could earn $200K a year and still get declined instantly if your credit file isn’t clean. Here’s how to check it, fix it, and protect your approval.
-200 to 200
Your loan will get instantly declined with these scores, don’t even try!
200 to 600
Probably declined, or you’ll get approved with a very high rate!
600 to 1200
600-800 confident approval, 800+ guaranteed approval!
-200 to 200
Your Loan will get instantly declined with these scores, don’t even try!
200 to 600
Probably declined, or you’ll get approved with a very high rate!
600 to 1200
600-800 confident approval, 800+ guaranteed approval!
9 things that are killing your credit score…
Your credit score is the silent gatekeeper behind every loan you’ll ever apply for — it decides your approvals, your interest rates, and even how much you can borrow. Most people destroy their score without even realising it. That’s why we created Credit Score Crimes, a simple, no-fluff guide that shows you the 9 habits hurting your score and how to fix them fast.
Which Credit Check Do You Actually Need?
Most people only check their score…But lenders check your file, and there’s a huge difference.
Basic Credit
File Check
$0
Get a basic credit score file with an approximate range of your score and other details.
Full Credit Report With Analysis
$99
- Your exact credit score
- Full credit report
- Contributing factors
- Steps to improve
Worried your credit file already has damages?
If your score’s taken a hit from a few slip-ups, you’re not alone, and most issues can be fixed. Tap below to start with a free chat.STILL GOT QUESTIONS?
Answer to your questions
Am I eligible to apply for a home loan with Loanity?
Eligibility depends on your situation, but most Australians qualify if they have a stable income, a good credit history, and meet basic lending requirements. We’ll assess your borrowing power, deposit size, income type (PAYG or self-employed), and overall financial position to help you understand exactly where you stand. Find out about your elidgibility through a free consultation session.
Can I really get a home loan with just a 5% deposit?
What is the difference between a broker versus going to a bank?
Do we charge any fees for home loan or refinancing services?
How does the home loan or refinance process work with loanity?
Can Loanity help me if I’m self employed or have non-standard income?
What interest rates can I get right now?
Does Loanity offer special conditions for medical professionals?
Can Loanity help with business loans or car finance as well?
How do I get started with Loanity?
Ready to have a peek at what lenders see?
No fees. No obligation. A free consult and handy resources. No strings attached.