Help guide
Credit file checks before you apply
Why lenders see more than a “score”, how enquiries accumulate, and why timing matters when shopping for a home loan — general education.
Scores vs file
Consumer scores from apps may differ from lender bureau views—your repayment history, limits and enquiry log matter.
Multiple mortgage shopping within a window may dedupe per bureau rules — still coordinate with your broker.
Hygiene tips
Clear unknown defaults, reduce unused card limits if your broker suggests, and avoid new facilities pre-submission.
Do not hide debts—lenders discover them and it harms trust.