Not quite ready to borrow? Let’s build your road map.

1. Common reasons people aren't ready yet

• The deposit is a little short.
• Debts are reducing what you may borrow, including unused credit card limits and buy now, pay later.
• Your credit history has missed payments or defaults.
• Your income is new or changing, such as a new job still on probation, or a business that's been trading for less than 2 years.
• Your spending shows up as too high on your bank statements.

2. How a road map works

1. Understand the gap. We look at where you are today and what lenders need to see.
2. Set clear targets. For example, a deposit amount, debts to clear, or a date to aim for.
3. Take the steps. Such as reducing debts and card limits, building a savings history, or correcting errors on your credit report.
4. Check in along the way. We review your progress every few months and adjust the plan.
5. Apply when you're ready. With a stronger application, at the right time, to the right lender.

3. Small steps that may make a big difference

• Close credit cards you don't use, or lower the limits.
• Set up an automatic transfer into savings each payday.
• Pay every bill on time.
• Keep your spending steady for a few months.

4. We're with you all the way

There's no cost for our help with a home loan, even if it takes a while to get there. Many of our clients started with a road map.