![]() ![]() You should also set reminders for when your direct deposits will come out to prevent it happening in the future. If you have any overdrafts on your account, it’s best to wait a few months before starting your mortgage application. This can include dishonour fees from bills or transactions that have been scheduled to automatically go through, despite the money not being there.ĭishonour fees can indicate to lenders that you’re financially irresponsible, so it’s best to avoid them. Examining the Problem: The Different Degrees of Document. Most of these services also generate fake pay stubs, utility bills, and other documents that help bad actors secure loans illegitimately. A quick Google search will yield many of these semi-illicit services. This is a fee charged by your bank when you spend more money than what’s actually in your account. The documents these services produce are actually just doctored bank statements. Generally, the things they will be keeping an eye out for include: ![]() Your bank statements and transaction history give mortgage lenders an insight into your spending behaviours, how much you earn, your expenses and any debt obligations. Thinking of buying an investment property in Australia but aren’t sure where to start? Or perhaps you want to know how much you can borrow for an investment loan? Check out eChoice’s handy guide ![]()
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