Declined by the Bank
Declined by your bank? That is one lender's view, not the whole market.
A decline usually comes with no explanation. The bank says no, the letter gives a policy reason or nothing at all, and you are left guessing whether the problem was your income, your structure, the property, or a credit file entry you had forgotten about.
Most people assume a decline means the whole market has said no. It rarely does. Lenders assess the same application against different rules, and the reason one bank stopped is often the reason another one would not.
What advice covers
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Working out why the decline actually happened, not why you think it happened
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Reading your credit file and identifying anything that needs correcting or explaining
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Whether the issue is fixable now, fixable in six months, or structural
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Which lenders assess your specific situation differently
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Whether a non-bank lender is the right step, and what a route back to a main bank would look like
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What a second application needs to look like so it is not declined for the same reason
Relevant tools and downloads
Related Reading
Escaping the One Bank Trap: Why Diversification Is the Key to Unlocking Your Next Loan
DTI Restrictions vs LVR Easing: Which Change Actually Impacts Your Borrowing Power?
How to Choose a Specialist Mortgage Broker: 5 Red Flags to Watch For
Negotiating with the Big Four: How a Mortgage Adviser Gets You a Better Deal