Credit Impairment
Credit Impairment, Defaults and ExcessiveCredit File Enquiries
It is wise to know what is on your Equifax report if you are applying for a loan as all lenders will seek your consent and then make an enquiry on your credit file. If you have recently applied for a loan and this has not progressed, it is important to let your mortgage broker know about this so they can explain this to the lender of choice so that full disclosure applies. Undisclosed debts may have an adverse impact on the success of a new application. Free copies of your credit report can be ordered online and will generally be emailed to you within 10 days.
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Likewise, if you have multiple enquiries on your credit report or a paid or unpaid default, this should also shared so that the correct lender and loan product can be chosen. It generally does not preclude a borrower from achieving an approval but it may involve higher fees and a higher interest rate. Your broker will be able to canvas your options firstly with traditional lenders to minimise any additional expenses using your individual circumstances and history. If it doesn’t fit with a mainstream option, there is access to speciality lenders in many situations.
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