Guides & straight answers
Plain-English lending guides from the MakeMyLoan team.
Yes, you can get a home loan on probation — lender policies vary. What matters: employment continuity, your role type, and the documents that strengthen it.
A practical 3-6 month preparation plan for home loan approval: close unused cards, clean bank statements, stabilise employment and build genuine savings.
What happens between unconditional loan approval and getting the keys: loan documents, conveyancing, e-settlement, final inspection and common delays.
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.
How lenders treat HELP debt, why compulsory repayments cut borrowing capacity, and when paying it out before a home loan helps — or hurts your deposit.
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.
Common home loan application mistakes — multiple lender applications, job changes, undisclosed debts, pre-settlement spending — and how to avoid each.
Every document lenders ask for in a home loan application — PAYG and self-employed checklists, purchase vs refinance extras, and why 90-day statements matter.