Obtaining finance

Know before you borrow

Obtaining finance for a home purchase can be a complicated process, and there are certain criteria that we require borrowers to meet before we will agree to finance your home.

This page provides some information on how applications for credit are assessed, giving you a greater understanding of how you can get into a position to have your next application approved.

Serviceability

Loan-to-Value Ratio (LVR)

Credit history

Verification of financial information

What to do if you’ve had a finance application declined

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