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ยฉ 2026 MakeMyLoan Pty Ltd ยท Credit Representative 389087, authorised under Australian Credit Licence ACL 548289. All loan applications are subject to lender assessment and approval. Calculator results are estimates only and do not constitute credit advice or an offer of credit. Comparison rates are based on a $150,000 loan over 25 years and may not reflect the true cost of your loan. Consider whether any product is right for your circumstances โ€” a licensed MakeMyLoan Pty Ltd broker will review every recommendation with you and provide a credit guide before any credit assistance is given. Call us on 1300 888 369 or email hello@makemyloan.com.au.
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Guides / Credit & Approval

Credit & Approval guides

Broker-written guides on credit & approval โ€” what lenders look for, what things cost, and how to get a better outcome.

Home LoansCredit & ApprovalRefinanceFirst Home BuyersInvestment LoansBusiness LoansCommercial FinanceCar LoansAsset FinanceSMSF LoansPersonal LoansBridging Finance
A handshake across the desk after an agreementCredit & Approval

Getting a Home Loan While on Probation at a New Job

Yes, you can get a home loan on probation โ€” lender policies vary. What matters: employment continuity, your role type, and the documents that strengthen it.

5 min readยท11 July 2026
Working through loan documents with a penCredit & Approval

How to improve your home loan approval chances in 3-6 months

A practical 3-6 month preparation plan for home loan approval: close unused cards, clean bank statements, stabilise employment and build genuine savings.

5 min readยท11 July 2026
Working through loan documents with a pen
Credit & Approval

The settlement process: from unconditional approval to keys

What happens between unconditional loan approval and getting the keys: loan documents, conveyancing, e-settlement, final inspection and common delays.

5 min readยท11 July 2026
A handshake across the desk after an agreementCredit & Approval

Credit Scores and Home Loans: What Lenders Actually Look At

How credit scores work in Australia, what actually moves them, how lenders really use them, and how to check and fix your credit file for free.

6 min readยท11 July 2026
Preparing paperwork and notes across two laptopsCredit & Approval

How HECS-HELP Debt Affects Your Home Loan Borrowing Power

How lenders treat HELP debt, why compulsory repayments cut borrowing capacity, and when paying it out before a home loan helps โ€” or hurts your deposit.

5 min readยท11 July 2026
A handshake across the desk after an agreementCredit & Approval

Self-Employed Home Loans: How to Get Approved Without a Payslip

How lenders assess self-employed income: full-doc vs alt-doc, 1 vs 2 years of financials, add-backs, trust structures and why lodging on time matters.

6 min readยท11 July 2026
Preparing paperwork and notes across two laptopsCredit & Approval

Loan application mistakes that cost people their approval

Common home loan application mistakes โ€” multiple lender applications, job changes, undisclosed debts, pre-settlement spending โ€” and how to avoid each.

5 min readยท2 June 2026
Working through loan documents with a penCredit & Approval

Documents you need for a home loan: the complete checklist

Every document lenders ask for in a home loan application โ€” PAYG and self-employed checklists, purchase vs refinance extras, and why 90-day statements matter.

5 min readยท24 May 2026
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Explore our credit & approval options

See how MakeMyLoan brokers compare lenders and structure credit & approval โ€” no obligation, no jargon.

Credit & Approval โ€” see your options