Credit Score
Why should you check your score?
Your credit score plays a key role in determining how much you can borrow, the type of property you can afford, and the interest rates available when refinancing. Knowing your score early gives you the advantage of planning your finances and savings more effectively.
A lower score
Might mean you need to demonstrate your reliability as a borrower, for example, by consistently making repayments on existing debts.
A higher score
Could help you secure better interest rates, afford a more valuable property, or qualify for a loan sooner than you expected.
Connect with a Capital Lender Broker
Once you know your score, our experts are ready to guide you through every step. We’ll answer your questions, help set realistic goals, and craft a personalised plan to secure the best loan for your needs.
Get your credit score for free with Capital Lenders
Checking your credit score with us won’t affect your rating. All you need is your Australian driver’s license to get started. Early knowledge of your score gives you time to improve your chances of securing the best home loan deal possible.
Frequently Asked Questions
Understanding your credit score
Your credit score is a number that summarises your creditworthiness, based on your financial history.
Factors include your repayment history, current debts, length of credit history, and recent applications for credit.
Yes, but options may be limited and interest rates higher. We can help find suitable lenders who consider individual circumstances.
You can check it through various credit reporting agencies or directly with us, where it won’t impact your score.
A soft enquiry, like a pre-approval check, won’t affect your score. A formal application usually involves a hard enquiry, which can have a small temporary impact.
Pay bills and debts on time, reduce outstanding balances, avoid unnecessary credit applications, and monitor your credit report regularly.
