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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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LEZLI

7 months ago

Hi Sonny, I help people with worse problems than what you have. Please contact me via my Profile Page and I will help you. Look forward to hearing from you. Lezli

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Bernie

9 months ago

Hi Sonny Under the comprehensive Credit reporting, late payments or overdrafts may be included in your credit file as a late payment. They are not defaults and come off in 2 years instead of the 5 years for a default. Not all lenders have fully implemented this yet - if you have a copy of your recent credit file, you should be able to see if the overdraft occurrences appear. As they were corrected in a few days, I doubt they will appear. Prima facie, a combined income of $142k per year could be sufficient to obtain a home loan but there are many other factors involved such as dependants, is it part time, full time, casual employment, short term or long term in the job, savings you have and where they came from. Best to have a chat further, either on the phone or in person Regards Bernie

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Sonny

9 months ago

Hi Bernie, at the time I applied for a credit card with NAB, my cheque account was with CBA, but I have now moved the cheque account to NAB. I am applying for a home loan, what chances do I have to get an approval. I have also read that the overdraft amounts are not shown on the credit file if it's less then 60 days and haven't gone to the collections authority, is this a fact? Also please advise if a combined income (couple) of 142k per year would be sufficient enough to get a home loan considering my overdraft scenario and my credit score. Thanks

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Bernie

9 months ago

Hi Sonny 574 is not a great credit score but there may be some other factors causing it. In regards to it being sufficient to obtain a loan I would need to know more about your situation and see a copy of your credit file. You mentioned that NAB rejected your credit card application. Is your cheque account with NAB as well? That would certainly affect you applying for a credit card with NAB, also, what sort of loan are you seeking and why? Best to have a chat so I can fully understand your situation and what you are looking to do. My details are on my profile. I am available this afternoon if that would help! Regards Bernie

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Karen

9 months ago

Hi Sonny You have raised some very valid questions. Firstly I would look at your overall financial position to see who the best lender would be for your current position. We would also review your credit file and then look at the best options available. I would like to discuss further with you so if you could please check my profile on hashching and request a call back I can contact you directly Regards Karen Fowles

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