[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/04\/01\/why-banks-decline-home-loans-in-2026-and-how-to-avoid-it\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/04\/01\/why-banks-decline-home-loans-in-2026-and-how-to-avoid-it\/","headline":"Why Banks Decline Home Loans in 2026 (And How to Avoid It)","name":"Why Banks Decline Home Loans in 2026 (And How to Avoid It)","description":"Getting declined for a home loan can be frustrating \u2014 especially when you\u2019re ready to buy. But here\u2019s the reality: It happens more often than most people think. And in many cases, it\u2019s avoidable. The issue usually isn\u2019t just your situation \u2014 it\u2019s how your application is structured and which lender you choose. Let\u2019s break \u2026 <a class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2026\/04\/01\/why-banks-decline-home-loans-in-2026-and-how-to-avoid-it\/\" aria-label=\"Read more about Why Banks Decline Home Loans in 2026 (And How to Avoid It)\">Read: Why Banks Decline Home Loans in 2026 (And How to Avoid It)<\/a>","datePublished":"2026-04-01","dateModified":"2026-07-09","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2026\/04\/create-a-highly-detailed-sharp-focused-image-for-a-blog-post.png?fit=1024%2C768&ssl=1","url":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2026\/04\/create-a-highly-detailed-sharp-focused-image-for-a-blog-post.png?fit=1024%2C768&ssl=1","height":768,"width":1024},"url":"https:\/\/truthgroup.com.au\/2026\/04\/01\/why-banks-decline-home-loans-in-2026-and-how-to-avoid-it\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=2CNGBq4Ld-k#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=2CNGBq4Ld-k","name":"Why Banks Decline Home Loans in Australia (And How to Avoid It)","description":"Getting declined for a home loan can be frustrating \u2014 especially when you feel ready to buy.\n\nBut in most cases, it\u2019s not just about income. Banks assess your full financial profile, including debts, credit history, expenses, and how your application is structured.\n\nIn this video, I break down the most common reasons home loans get declined in Australia in 2026 \u2014 and how you can avoid them.\n\nWhat You\u2019ll Learn:\nWhy income alone doesn\u2019t guarantee approval\nHow debts and credit cards impact borrowing power\nThe role of credit history and living expenses\nWhy choosing the wrong lender can lead to rejection\nHow different lenders assess the same application differently\nKey Insight:\n\nThe same financial situation can receive different outcomes depending on the lender you choose.\n\nThat\u2019s why strategy matters just as much as your financial position.\n\nHow Truth Group Pty Ltd Can Help\n\nAt Truth Group, I help buyers go beyond just getting a loan \u2014 I focus on getting the right outcome.\n\nI assist with:\n\u2714 Mortgage planning and structuring\n\u2714 Choosing the right lender for your situation\n\u2714 Understanding your borrowing power\n\u2714 Property search and buyer\u2019s agent services\n\u2714 Aligning finance with the right property strategy\n\nNext Step:\n\nIf you\u2019ve been declined before or want to avoid making costly mistakes:\n\nMessage me \u201cAPPROVED\u201d and I\u2019ll help you understand your options and guide you through the process.\n\nSubscribe for More:\n\nI regularly share insights on:\n\nHome loans & borrowing power\nProperty buying strategies\nMortgage planning\nInvesting in Australian property\n\n#mortgagebroker  #homeloanaustralia  #loanapprovaltips  #propertyaustralia  #firsthomebuyer  #financefirst  #borrowpower #homebuyingtips  #buyersagentsydney  #australianproperty  #realestateaustralia  #mortgagetips  #propertyinvesting","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/2CNGBq4Ld-k\/default.jpg","https:\/\/i.ytimg.com\/vi\/2CNGBq4Ld-k\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/2CNGBq4Ld-k\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/2CNGBq4Ld-k\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/2CNGBq4Ld-k\/maxresdefault.jpg"],"uploadDate":"2026-04-01T07:55:44+00:00","duration":"PT1M15S","embedUrl":"https:\/\/www.youtube.com\/embed\/2CNGBq4Ld-k","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Truth Group is a Sydney Buyers Agent and Mortgage Broker helping home buyers, first home buyers and property investors make smarter property decisions.\n\nI\u2019m Niko, a licensed Buyers Agent based in Sydney, helping clients find the right property, negotiate confidently and structure their finance correctly.\n\nOn this channel you\u2019ll discover:\n\n\ud83c\udfe1 Sydney Buyers Agent advice\n\u2022 What properties are really worth\n\u2022 Sydney suburb comparisons\n\u2022 Auction and negotiation strategies\n\u2022 First home buyer tips\n\u2022 Property buying mistakes to avoid\n\n\ud83d\udcb0 Mortgage & Finance Guidance\n\u2022 Home loans and refinancing\n\u2022 Borrowing power strategies\n\u2022 Preparing to buy property\n\u2022 Understanding lender requirements\n\nWe help clients with:\n\u2705 Established homes\n\u2705 House & land packages\n\u2705 Investment properties\n\u2705 Residential & commercial property\n\u2705 Home loan solutions\n\nServing Sydney and Australia-wide.\n\n\ud83d\udccd Hoxton Park, Sydney\n\ud83c\udf10 truthgroup.com.au\n\nSubscribe for weekly Sydney property insights, buyer strategies and finance tips.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/6cfbKmHc32AQQ7Jvy8Uk8-gTgkKgXKQ-ntmPlJQwqFyRcDmR-1UVKvPvSqhmucy6vnM6a5UNSz4=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=2CNGBq4Ld-k#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=2CNGBq4Ld-k#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=2CNGBq4Ld-k&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"}},"about":["Latest Post"],"wordCount":520,"articleBody":".wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_3, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_3[data-kb-block=\"kb-adv-heading42508_a1db28-54_3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_3[data-kb-block=\"kb-adv-heading42508_a1db28-54_3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_3[data-kb-block=\"kb-adv-heading42508_a1db28-54_3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Getting declined for a home loan can be frustrating \u2014 especially when you\u2019re ready to buy..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_4, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_4[data-kb-block=\"kb-adv-heading42508_a1db28-54_4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_4[data-kb-block=\"kb-adv-heading42508_a1db28-54_4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_4[data-kb-block=\"kb-adv-heading42508_a1db28-54_4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}But here\u2019s the reality:.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_5, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_5[data-kb-block=\"kb-adv-heading42508_a1db28-54_5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_5[data-kb-block=\"kb-adv-heading42508_a1db28-54_5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_5[data-kb-block=\"kb-adv-heading42508_a1db28-54_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}It happens more often than most people think..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_6, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_6[data-kb-block=\"kb-adv-heading42508_a1db28-54_6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_6[data-kb-block=\"kb-adv-heading42508_a1db28-54_6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_6[data-kb-block=\"kb-adv-heading42508_a1db28-54_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}And in many cases, it\u2019s avoidable..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_7, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_7[data-kb-block=\"kb-adv-heading42508_a1db28-54_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_7[data-kb-block=\"kb-adv-heading42508_a1db28-54_7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_7[data-kb-block=\"kb-adv-heading42508_a1db28-54_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The issue usually isn\u2019t just your situation \u2014 it\u2019s how your application is structured and which lender you choose..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_8, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_8[data-kb-block=\"kb-adv-heading42508_a1db28-54_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_8[data-kb-block=\"kb-adv-heading42508_a1db28-54_8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_8[data-kb-block=\"kb-adv-heading42508_a1db28-54_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Let\u2019s break down the most common reasons loans get declined, and how to avoid them.Why Banks Decline Home Loans in Australia (And How to Avoid It) Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_9, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_9[data-kb-block=\"kb-adv-heading42508_a1db28-54_9\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_9[data-kb-block=\"kb-adv-heading42508_a1db28-54_9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_9[data-kb-block=\"kb-adv-heading42508_a1db28-54_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}1. Income Issues.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_10, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_10[data-kb-block=\"kb-adv-heading42508_a1db28-54_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_10[data-kb-block=\"kb-adv-heading42508_a1db28-54_10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_10[data-kb-block=\"kb-adv-heading42508_a1db28-54_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Lenders need to see stable and reliable income..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_11, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_11[data-kb-block=\"kb-adv-heading42508_a1db28-54_11\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_11[data-kb-block=\"kb-adv-heading42508_a1db28-54_11\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_11[data-kb-block=\"kb-adv-heading42508_a1db28-54_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Common problems include:Changing jobs too frequentlyCasual or inconsistent incomeSelf-employed income not meeting lender requirements.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_12, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_12[data-kb-block=\"kb-adv-heading42508_a1db28-54_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_12[data-kb-block=\"kb-adv-heading42508_a1db28-54_12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_12[data-kb-block=\"kb-adv-heading42508_a1db28-54_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_13, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_13[data-kb-block=\"kb-adv-heading42508_a1db28-54_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_13[data-kb-block=\"kb-adv-heading42508_a1db28-54_13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_13[data-kb-block=\"kb-adv-heading42508_a1db28-54_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Even if you earn good money, how it\u2019s assessed matters..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_14, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_14[data-kb-block=\"kb-adv-heading42508_a1db28-54_14\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_14[data-kb-block=\"kb-adv-heading42508_a1db28-54_14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_14[data-kb-block=\"kb-adv-heading42508_a1db28-54_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}2. High Debts &#038; Credit Limits.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_15, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_15[data-kb-block=\"kb-adv-heading42508_a1db28-54_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_15[data-kb-block=\"kb-adv-heading42508_a1db28-54_15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_15[data-kb-block=\"kb-adv-heading42508_a1db28-54_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Your liabilities play a major role in your borrowing power..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_16, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_16[data-kb-block=\"kb-adv-heading42508_a1db28-54_16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_16[data-kb-block=\"kb-adv-heading42508_a1db28-54_16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_16[data-kb-block=\"kb-adv-heading42508_a1db28-54_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This includes:Credit cards (limits matter, not just balances)Personal loansCar financeHECS\/HELP debt.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_17, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_17[data-kb-block=\"kb-adv-heading42508_a1db28-54_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_17[data-kb-block=\"kb-adv-heading42508_a1db28-54_17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_17[data-kb-block=\"kb-adv-heading42508_a1db28-54_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_18, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_18[data-kb-block=\"kb-adv-heading42508_a1db28-54_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_18[data-kb-block=\"kb-adv-heading42508_a1db28-54_18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_18[data-kb-block=\"kb-adv-heading42508_a1db28-54_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;} Even unused credit cards can reduce your borrowing capacity and impact approval..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_19, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_19[data-kb-block=\"kb-adv-heading42508_a1db28-54_19\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_19[data-kb-block=\"kb-adv-heading42508_a1db28-54_19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_19[data-kb-block=\"kb-adv-heading42508_a1db28-54_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}3. Poor Credit History.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_20, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_20[data-kb-block=\"kb-adv-heading42508_a1db28-54_20\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_20[data-kb-block=\"kb-adv-heading42508_a1db28-54_20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_20[data-kb-block=\"kb-adv-heading42508_a1db28-54_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Your credit file tells lenders how you manage debt..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_21, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_21[data-kb-block=\"kb-adv-heading42508_a1db28-54_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_21[data-kb-block=\"kb-adv-heading42508_a1db28-54_21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_21[data-kb-block=\"kb-adv-heading42508_a1db28-54_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Issues can include:Missed repaymentsDefaultsToo many recent credit enquiries.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_22, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_22[data-kb-block=\"kb-adv-heading42508_a1db28-54_22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_22[data-kb-block=\"kb-adv-heading42508_a1db28-54_22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_22[data-kb-block=\"kb-adv-heading42508_a1db28-54_22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_23, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_23[data-kb-block=\"kb-adv-heading42508_a1db28-54_23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_23[data-kb-block=\"kb-adv-heading42508_a1db28-54_23\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_23[data-kb-block=\"kb-adv-heading42508_a1db28-54_23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Small issues can have a bigger impact than you expect..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_24, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_24[data-kb-block=\"kb-adv-heading42508_a1db28-54_24\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_24[data-kb-block=\"kb-adv-heading42508_a1db28-54_24\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_24[data-kb-block=\"kb-adv-heading42508_a1db28-54_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}4. Living Expenses.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_25, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_25[data-kb-block=\"kb-adv-heading42508_a1db28-54_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_25[data-kb-block=\"kb-adv-heading42508_a1db28-54_25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_25[data-kb-block=\"kb-adv-heading42508_a1db28-54_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Lenders now assess your spending in detail..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_26, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_26[data-kb-block=\"kb-adv-heading42508_a1db28-54_26\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_26[data-kb-block=\"kb-adv-heading42508_a1db28-54_26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_26[data-kb-block=\"kb-adv-heading42508_a1db28-54_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}They consider:Everyday expensesLifestyle spendingHousehold costs.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_27, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_27[data-kb-block=\"kb-adv-heading42508_a1db28-54_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_27[data-kb-block=\"kb-adv-heading42508_a1db28-54_27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_27[data-kb-block=\"kb-adv-heading42508_a1db28-54_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_28, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_28[data-kb-block=\"kb-adv-heading42508_a1db28-54_28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_28[data-kb-block=\"kb-adv-heading42508_a1db28-54_28\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_28[data-kb-block=\"kb-adv-heading42508_a1db28-54_28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If your expenses are too high, it can reduce your ability to service a loan..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_29, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_29[data-kb-block=\"kb-adv-heading42508_a1db28-54_29\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_29 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_29[data-kb-block=\"kb-adv-heading42508_a1db28-54_29\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_29 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_29[data-kb-block=\"kb-adv-heading42508_a1db28-54_29\"] img.kb-inline-image{width:150px;vertical-align:baseline;}5. Choosing the Wrong Lender.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_30, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_30[data-kb-block=\"kb-adv-heading42508_a1db28-54_30\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_30[data-kb-block=\"kb-adv-heading42508_a1db28-54_30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_30[data-kb-block=\"kb-adv-heading42508_a1db28-54_30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Not all lenders assess applications the same way..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_31, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_31[data-kb-block=\"kb-adv-heading42508_a1db28-54_31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_31[data-kb-block=\"kb-adv-heading42508_a1db28-54_31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_31[data-kb-block=\"kb-adv-heading42508_a1db28-54_31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Each lender has different policies, risk appetites, and ways of assessing income, expenses, and debts \u2014 meaning some lenders will be a much better fit for your situation than others..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_32, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_32[data-kb-block=\"kb-adv-heading42508_a1db28-54_32\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_32 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_32[data-kb-block=\"kb-adv-heading42508_a1db28-54_32\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_32 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_32[data-kb-block=\"kb-adv-heading42508_a1db28-54_32\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The same application can be declined by one lender\u2026 and approved by another..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_33, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_33[data-kb-block=\"kb-adv-heading42508_a1db28-54_33\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_33 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_33[data-kb-block=\"kb-adv-heading42508_a1db28-54_33\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_33 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_33[data-kb-block=\"kb-adv-heading42508_a1db28-54_33\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This is one of the most overlooked reasons home loans get declined..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_34, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_34[data-kb-block=\"kb-adv-heading42508_a1db28-54_34\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_34 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_34[data-kb-block=\"kb-adv-heading42508_a1db28-54_34\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_34 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_34[data-kb-block=\"kb-adv-heading42508_a1db28-54_34\"] img.kb-inline-image{width:150px;vertical-align:baseline;}How to Avoid Getting Declined.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_35, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_35[data-kb-block=\"kb-adv-heading42508_a1db28-54_35\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_35 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_35[data-kb-block=\"kb-adv-heading42508_a1db28-54_35\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_35 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_35[data-kb-block=\"kb-adv-heading42508_a1db28-54_35\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The good news is \u2014 most of these issues can be managed with the right approach..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_36, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_36[data-kb-block=\"kb-adv-heading42508_a1db28-54_36\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_36 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_36[data-kb-block=\"kb-adv-heading42508_a1db28-54_36\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_36 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_36[data-kb-block=\"kb-adv-heading42508_a1db28-54_36\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Here\u2019s what you should do:.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_37, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_37[data-kb-block=\"kb-adv-heading42508_a1db28-54_37\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_37 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_37[data-kb-block=\"kb-adv-heading42508_a1db28-54_37\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_37 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_37[data-kb-block=\"kb-adv-heading42508_a1db28-54_37\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2714 Understand your borrowing power before applying\u2714 Reduce debts and credit limits where possible\u2714 Avoid unnecessary credit applications\u2714 Choose the right lender for your situation\u2714 Structure your application properly from the start.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_38, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_38[data-kb-block=\"kb-adv-heading42508_a1db28-54_38\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_38 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_38[data-kb-block=\"kb-adv-heading42508_a1db28-54_38\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_38 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_38[data-kb-block=\"kb-adv-heading42508_a1db28-54_38\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Preparation is everything..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_39, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_39[data-kb-block=\"kb-adv-heading42508_a1db28-54_39\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_39[data-kb-block=\"kb-adv-heading42508_a1db28-54_39\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_39 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_39[data-kb-block=\"kb-adv-heading42508_a1db28-54_39\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Strategy Matters More Than Ever.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_40, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_40[data-kb-block=\"kb-adv-heading42508_a1db28-54_40\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_40 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_40[data-kb-block=\"kb-adv-heading42508_a1db28-54_40\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_40 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_40[data-kb-block=\"kb-adv-heading42508_a1db28-54_40\"] img.kb-inline-image{width:150px;vertical-align:baseline;}In today\u2019s lending environment, it\u2019s not just about getting approved \u2014 it\u2019s about getting approved the right way..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_41, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_41[data-kb-block=\"kb-adv-heading42508_a1db28-54_41\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_41 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_41[data-kb-block=\"kb-adv-heading42508_a1db28-54_41\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_41 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_41[data-kb-block=\"kb-adv-heading42508_a1db28-54_41\"] img.kb-inline-image{width:150px;vertical-align:baseline;}I\u2019ve seen clients declined by one lender\u2026.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_42, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_42[data-kb-block=\"kb-adv-heading42508_a1db28-54_42\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_42 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_42[data-kb-block=\"kb-adv-heading42508_a1db28-54_42\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_42 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_42[data-kb-block=\"kb-adv-heading42508_a1db28-54_42\"] img.kb-inline-image{width:150px;vertical-align:baseline;}And approved by another with the exact same financials..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_43, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_43[data-kb-block=\"kb-adv-heading42508_a1db28-54_43\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_43[data-kb-block=\"kb-adv-heading42508_a1db28-54_43\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_43[data-kb-block=\"kb-adv-heading42508_a1db28-54_43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The difference comes down to:Lender selectionApplication structureOverall strategyFinal Thoughts.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_44, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_44[data-kb-block=\"kb-adv-heading42508_a1db28-54_44\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_44 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_44[data-kb-block=\"kb-adv-heading42508_a1db28-54_44\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_44 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_44[data-kb-block=\"kb-adv-heading42508_a1db28-54_44\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_45, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_45[data-kb-block=\"kb-adv-heading42508_a1db28-54_45\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_45 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_45[data-kb-block=\"kb-adv-heading42508_a1db28-54_45\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_45 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_45[data-kb-block=\"kb-adv-heading42508_a1db28-54_45\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Getting declined doesn\u2019t always mean you can\u2019t get a loan..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_46, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_46[data-kb-block=\"kb-adv-heading42508_a1db28-54_46\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_46 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_46[data-kb-block=\"kb-adv-heading42508_a1db28-54_46\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_46 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_46[data-kb-block=\"kb-adv-heading42508_a1db28-54_46\"] img.kb-inline-image{width:150px;vertical-align:baseline;}It usually means something needs to be adjusted..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_47, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_47[data-kb-block=\"kb-adv-heading42508_a1db28-54_47\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_47 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_47[data-kb-block=\"kb-adv-heading42508_a1db28-54_47\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_47 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_47[data-kb-block=\"kb-adv-heading42508_a1db28-54_47\"] img.kb-inline-image{width:150px;vertical-align:baseline;}With the right guidance, many buyers can still move forward \u2014 often with a better outcome..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_48, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_48[data-kb-block=\"kb-adv-heading42508_a1db28-54_48\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_48 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_48[data-kb-block=\"kb-adv-heading42508_a1db28-54_48\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_48 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_48[data-kb-block=\"kb-adv-heading42508_a1db28-54_48\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_49, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_49[data-kb-block=\"kb-adv-heading42508_a1db28-54_49\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_49 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_49[data-kb-block=\"kb-adv-heading42508_a1db28-54_49\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_49 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_49[data-kb-block=\"kb-adv-heading42508_a1db28-54_49\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you\u2019re thinking about buying \u2014 or have been declined before:.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_50, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_50[data-kb-block=\"kb-adv-heading42508_a1db28-54_50\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_50 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_50[data-kb-block=\"kb-adv-heading42508_a1db28-54_50\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_50 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_50[data-kb-block=\"kb-adv-heading42508_a1db28-54_50\"] img.kb-inline-image{width:150px;vertical-align:baseline;}At Truth Group Pty Ltd, I help you:\u2714 Structure your application properly\u2714 Choose the right lender for your situation\u2714 Align your finance with the right property (buyer\u2019s agent support).wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_51, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_51[data-kb-block=\"kb-adv-heading42508_a1db28-54_51\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_51 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_51[data-kb-block=\"kb-adv-heading42508_a1db28-54_51\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_51 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_51[data-kb-block=\"kb-adv-heading42508_a1db28-54_51\"] img.kb-inline-image{width:150px;vertical-align:baseline;}It\u2019s not just about getting approved \u2014 it\u2019s about getting it right from the start..wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_52, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_52[data-kb-block=\"kb-adv-heading42508_a1db28-54_52\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_52 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_52[data-kb-block=\"kb-adv-heading42508_a1db28-54_52\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_52 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_a1db28-54_52[data-kb-block=\"kb-adv-heading42508_a1db28-54_52\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Message me \u201cAPPROVED\u201d and I\u2019ll help you move forward with confidence.wp-block-kadence-advancedheading.kt-adv-heading42508_08f3f6-2e, .wp-block-kadence-advancedheading.kt-adv-heading42508_08f3f6-2e[data-kb-block=\"kb-adv-heading42508_08f3f6-2e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42508_08f3f6-2e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42508_08f3f6-2e[data-kb-block=\"kb-adv-heading42508_08f3f6-2e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42508_08f3f6-2e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42508_08f3f6-2e[data-kb-block=\"kb-adv-heading42508_08f3f6-2e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2026","item":"https:\/\/truthgroup.com.au\/2026\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"04","item":"https:\/\/truthgroup.com.au\/2026\/\/04\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"01","item":"https:\/\/truthgroup.com.au\/2026\/\/04\/\/01\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Why Banks Decline Home Loans in 2026 (And How to Avoid It)","item":"https:\/\/truthgroup.com.au\/2026\/04\/01\/why-banks-decline-home-loans-in-2026-and-how-to-avoid-it\/#breadcrumbitem"}]}]