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?
Yes. Many first-home buyers enter the market with as little as 5% deposit. We’ll guide you through low-deposit home loan options, government schemes, and whether you qualify for LMI waivers, grants, or lender incentives to help you buy sooner.
What is the difference between a broker versus going to a bank?
Unlike a bank that offers only its own products, a brokre compares multiple lenders to find better rates, clearer terms, and more flexible loan options. Our job is to negotiate for you, explain everything in simple language, and help you choose the loan that suits your goals — not the bank’s.
Do we charge any fees for home loan or refinancing services?
Nope! Our home loan and refinance services come at no cost to you. We’re paid by the lender when the loan settles, so you get expert support, comparisons, and personalised advice without paying a cent in broker fees*.
*Read more about our refundable engagement fee here
How does the home loan or refinance process work with loanity?
We make the process simple. After a quick assessment of your situation, we compare lenders, explain your options, help you get pre-approved, and manage the entire application from start to finish. You’ll always know what’s happening and what comes next.
Can Loanity help me if I’m self employed or have non-standard income?
We absolutely can! We work with lenders who specialise in self-employed and contractor income. Whether you have tax returns, BAS statements, or alternative documentation, we’ll help structure your application so you’re in the strongest possible position.
Find out more here.
What interest rates can I get right now?
Interest rates depend on your lender, credit score, income, deposit size, and loan type. We compare a wide range of lenders daily to help you secure competitive home loan rates and show you how refinancing could save you money.
Does Loanity offer special conditions for medical professionals?
Certainly – many lenders offer special home loan benefits for certain professionals, including 95% LVR, $0 LMI, priority assessment and discounted interest rates. We can check whether you qualify instantly.
Read this list to see whether your occupation qualifies.
Can Loanity help with business loans or car finance as well?
Alongside home loans, we also assist with business loans, car finance, commercial lending, and equipment finance. We compare flexible loan structures, repayment options, and approval times to help you secure finance quickly.
How do I get started with Loanity?
Getting started is easy. Book a free 30-minute consultation, and we’ll review your goals, check your borrowing power, compare lenders, and outline your best options. You can also request a call or complete our quick online assessment, and we’ll guide you step-by-step whether you’re buying, refinancing, or investing.
Ready to have a peek at what lenders see?
No fees. No obligation. A free consult and handy resources. No strings attached.