A credit application assesses your financial situation at a specific moment. Lenders evaluate employment and income stability to ensure sufficient capacity to repay debts.

Your credit history helps lenders gauge how reliably you'll manage future repayments.

Lenders also consider net worth—your total assets minus liabilities. A positive net worth reassures lenders, with higher values increasing confidence.

An experienced Mortgage Broker reviews applications, highlights strengths, and strategically structures them when qualifications are weaker.