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maximise credit score

Your credit score is indeed an influential figure in your life – and it pays to work towards improving it consciously. Lenders look at your credit score, available on your credit file, to determine whether, and how much, they should lend to you. Summing up your financial history in a number, it helps lenders gauge… Read More>>

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Planning to buy a home? That’s great. Congratulations for taking the first step towards fulfilling the great Australian dream. But are you aware how much the banks are willing to lend to you?     Knowing how much you can borrow at the outset helps you set realistic expectations of what you can afford and… Read More>>

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Your credit score determines your creditworthiness. And having a low credit score, especially when you want to borrow money for a home, could be quite unnerving. Several companies in Australia claim to repair your credit by removing listings from your credit file, charging up to $1,000 or more, upfront. But, is it really worth engaging… Read More>>

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exceptinal credit score

Your credit score reflects every single aspect of your finances – any unsettled debts, loan applications, missed repayments or utility bills, stay on your credit file for years, bringing down your credit score significantly and impacting your chances of home loan approval adversely.… Read More>>

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questions-to-ask-about-your-credit-score

Most people are boggled by financial jargon – especially terms surrounding credit such as credit scores and credit reports and go through their entire lives without understanding the significance of either, until, one fine day, they find themselves searching for a home loan.… Read More>>

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hidden-cost-of-Credit-cards

Do you know that swanky plastic card is eating into your future home loan? Yes, little do proud owners of luxury credit cards (or any credit card, for that matter) realise how credit cards can derail their future loan application or reduce their borrowing capacity drastically.… Read More>>

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Line-of-credit

Very often you find yourself requiring cash to meet emergencies or for planned renovations or purchases. While it is always possible to use your credit card for smaller amounts or take a personal loan, using the equity in your house to fund further investments or home improvements… Read More>>

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Not unlike your academic scorecard, your credit file gives out your credit score that lets lenders know how good you have been financially and how much risk can they afford to take on you. Your credit score sums up your financial history; and small blemishes (such as forgetting a utility payment) can tarnish your file… Read More>>

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HashChing is helping Australians by providing access to the pre-negotiated home loan deals. Obligation free consultation with one of our partner brokers might save you time, hassle and money.