14/05/2026
Good question!
It may well seem like that. Perhaps you've applied for a home loan and you've been rejected. Or you've plugged your details into a home loan calculator and your borrowing power is much less than you were hoping for.
The home loan market is certainly stringent, with lenders wanting to be absolutely sure they'll be paid back, and of course that they don't fall foul with the regulator.
So what can you do about it? How can you get approved for a home loan?
First, you need to get your finances in order and make sure that when it comes time to applying you're giving the best impression.
Second, you want to make sure you only apply with a lender that you've got a high chance of being approved with.
Lenders don't advertise exactly how they assess a home loan application, which makes using a broker (us!) all the more useful.
Get in touch to find out which lenders you'd have the best shot with, based on your unique needs and situation.