How does the home loan application process work? Find out what documents are needed and the steps involved from pre-approval to formal approval. Are you wondering if you can present an increased income or hide bad credit on your mortgage application? Your home buying journey should not end when your home loan is declined.
There are steps you can take to make sure you can get approved. Learn how to avoid paying unnecessary home loan fees and charges. You can save on fees at settlement, during the loan term and when you refinance. Are you in need of a home loan health check? Learn how to increase your limit, switch to a fixed interest rate and just simply manage your home loan better.
The home loan process starts well before loan application and extends beyond settlement. Find out how to make this process less daunting. Are you employed by a bank and want to buy property? You may find better home loan discounts through a mortgage broker, not your own employer! A house and land package loan or turnkey loan allows you to buy a new home and take advantage of tax and stamp duty concessions.
How do these loans work? Be able to spot one! Do you qualify for a mortgage? Ever wondered how to calculate your mortgage interest? You're not alone! Learn how in this article. There are a number of steps in the mortgage application process. While some banks are faster, home loan approval time comes down to how organised you are.
Has your property valuation come in low? Is it worth it to challenge the valuation or are you better off getting a better going with another bank? We've narrowed it down to five key areas you need to look for when you're looking for a home loan.
Find out what tips to follow when you choose a home loan. Are you looking to make an ethical banking choice for your home loans? Here's a guide on how you can choose an ethical home loan provider. When it comes to funding your dream home, there are many options available — from the major banks to small lenders.
Which is the best for a home loan? Here are five tips for searching for a property online. What to do to make an offer on a house Making a great offer on a house by following these steps. How can you prepare for an interest rate rise?
You could refinance to a lower rate or make extra home loan repayments. Which option is right for you? Can you profit in a falling property market?
The fundamentals of location and choosing the right property still apply in a market downturn. Here's why. Can you work out the property value of a house or unit without paying for a valuation? Discover how to value a property using comparable sales! Worried about how new developments like bus stations, railway stations or road expansions affect the value of your house? Learn the intricacies.
Have you found a property? Your home loan pre approval can still be withdrawn. Find out how to make sure you get the finance you need to purchase a home. Are you buying a property with someone else?
You can buy as either joint tenants or tenants in common — but which option is right for you? A kerbside valuation is used to check the condition of a property usually in tandem with a desktop valuation. When is it used and how much does it cost?
Want to avoid the time and cost of refinancing when buying a new home? A loan portability is a convenient home loan solution but what are the drawbacks? Find out how to get the best interest rate on low LVR home loans. Learn the numerous benefits and one key disadvantage of a low loan to value ratio loan.
Loyalty tax refers to the higher interest rate paid by existing home loan customers compared to new customers. How much are you paying? Banks don't accept just any mortgage exit strategy. Do you have an existing mortgage, credit cards and a personal loan? You may have hit your bank's mortgage exposure limit but you can still get a home loan!
As mortgage deferrals come to an end in September, homeowners need to go over their options now rather than waiting. What options are available? Moving to a new home can be easy with careful planning and the right timing.
The National Consumer Credit Protection Act ensures ethical lending practices in the mortgage industry. Find out which loans are or aren't NCCP regulated.
Debating on new vs old properties? There's no one answer. Here we look at the pros and cons of both new and old properties and some real-life case studies. Is offset account or redraw better?
What are the similarities and differences? Can you use both at the same time? Read to find out more. Can you or your partner borrow against a property that is jointly owned with someone else? How does one borrower, two owners work and can you get approved?
What are the pros and cons of online home loans? Cheaper interest rates and lower mortgage fees are tempting but are you missing out as a borrower? A pest inspection checklist is useful here.
Be fully prepared for the final inspection before settlement with our Pre-Settlement Inspection Checklist as well as key questions to ask your vendor. Applying for a home loan? Read our tips on how to get approved at the lowest interest rate and find out what documents are required for a home loan application.
Did you know that Private Bank Clients pay higher interest rates on their mortgages? Find out how to get a better deal. From not getting pre-approval to massive bank delays leading up to settlement, learn how to avoid the big mistakes and protect yourself when buying a home.
Looking to buy your first home or investment property? Check out our A-Z list of real estate terms and jargon explained in plain English. Did you know that banks assume your credit card is fully drawn even when it's not? Reduce your credit card limit to borrow more for your home loan.
Ready to step into the world of business, but have a bad credit report that's holding you back? Don't fret - this guide will help you through the process. Doing some background research and comparing your options can ensure that you make an informed decision. Skip to main content. Business Business Corrections. Complaints Complaints. Search this site. Manage and protect your credit reputation Get your credit report and alerts to changes in your credit file from the leading provider of credit information in Australia.
Monitor your credit activity. Apply for credit with confidence. Be alerted if your identity has been stolen. Understand why you have been denied credit. Corrections Found a mistake on your credit report that you need to correct? Find out how to fix your Equifax credit report. There is a mistake on my Equifax Credit Report.
How do I fix it? How long does it take to correct my Equifax Credit Report? How does the Equifax corrections process work? Read through the following steps to submit a correction to your Equifax Credit Report. Firstly, you need to submit a request to us via our Corrections Portal 2. Equifax finalises the investigation Some important information to know Equifax will notify you in writing what the result of our investigation is. What information do I need to submit a correction?
If you can supply these details. How do I submit my request? Please include: The details of the entry being disputed, in particular any relevant account reference numbers and the name of the credit provider who listed the entry you are disputing The reason for disputing the entry Any relevant documentation. How do I check the status of a correction request with Equifax? What steps can I take if I disagree with an investigation?
How to get your Equifax Credit Report. Should I use a credit repair company? What is a credit repairer? Can I get I get my credit repaired for free? Supporting Categories Providing you with answers to the most commonly asked questions. Identity Theft Identity theft can be a stressful, time-consuming and costly experience.
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Learn More. Previous Next. Visit the Equifax Consumer Services Center. Access helpful services and useful information to help you take control of your credit report, and better protect yourself from identity theft and fraud. Consumer Privacy for California Residents. Need quick answers? What is a Good Credit Score? Take control of your financial journey. The pandemic has upended the global economy, disrupted our personal lives and finances.
Learn: Understand your credit. Credit can be complicated. But it doesn't have to be. Learning responsible credit behavior can set you up to reach your goals. Find out what's in your Equifax credit report, how your credit scores are calculated, and how to get on track in your credit journey.
Plan: Reach your financial goals. Life is a series of milestones, and when it comes to finances, knowledge is your most valuable asset. If you're planning to buy a home, purchase a car, or take out a loan, find out what potential lenders are looking for. Protect: Help better protect yourself from identity theft. Find out how identity theft happens, and whether you or your loved ones may be at risk.
Learn how to better protect your identity, and what you should look out for. And if you've been the victim of identity theft, find out what you can do immediately to begin the recovery process.
Just the Facts. Answers to common questions. How do I place, temporarily lift, or permanently remove a security freeze? Online , by creating a myEquifax account.
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