Why Banks Say ‘No’ (When They Could Say Yes)

“Banks say no all the time… but here’s what they’re not telling you.”

Ever wondered why a bank rejects your home loan — even when you’ve got a decent income, solid assets, and good intentions? It’s not always about your finances. Most of the time, it comes down to policy, not your personal situation.

Each lender has its own set of rules. One bank might reject you because you’re self-employed, your income includes JobKeeper, or you’ve had a small credit hiccup. But another lender — with a different policy — could look at the same application and say yes.

That’s where a mortgage broker like myself steps in. At Truth Group, I don’t just rely on one lender’s opinion. I look across 40+ banks and lenders, comparing policies, interest rates, and credit appetites to find the right fit for your situation.

Whether you’re refinancing, investing, or buying your first home, the key is knowing which lenders are flexible and which ones aren’t. That’s knowledge most people don’t have — but it’s what I do every day.

💡 Value Nugget:

It’s often policy, not your finances. Another lender may approve the same deal. That’s why brokers shop across 40+ lenders.

So if your bank says “no”, don’t panic. It doesn’t mean the end — it just means you haven’t found the right lender yet.

Let’s turn that no into a yes.

✅ Call to Action (CTA):

If one bank says no, it doesn’t mean the end. 👉 Reach out to me at Truth Group — I’ll help you find a lender that says yes.

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