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Receiving a mortgage decline can be disappointing, especially when you have already found a property, saved a deposit or believed your finances were ready.
However, one bank declining your home loan does not automatically mean every lender will reach the same decision.
Different lenders can apply different policies when assessing income, employment, expenses, deposits, credit history and property types. A mortgage broker may review the reason for the decline, identify whether the application can be improved and assess whether another available lender may be more suitable.
That does not mean another approval is guaranteed.
Sometimes the problem is specific to one bank’s lending criteria. In other cases, the decline highlights a genuine affordability, credit, deposit or documentation issue that should be addressed before another application is submitted.
The most important step is to understand why the mortgage was declined before applying elsewhere.
Mortgage Declined in NZ: What Should You Do First?
If your mortgage application has been declined:
- Ask the bank for the main reason.
- Do not immediately submit several new applications.
- Review the financial information and documents provided.
- Check your credit reports for errors or unexpected entries.
- Speak with a mortgage adviser before selecting another lender.
- Address any affordability, debt, income or deposit issues.
- Reapply only when there is a clear application strategy.
A mortgage broker may help identify whether another lender has different criteria, but the broker cannot guarantee approval or remove legitimate affordability concerns.
New Zealand lenders must follow responsible lending requirements, which include assessing whether a borrower can afford the loan without substantial hardship. A decline may therefore be the appropriate outcome when the proposed repayments are not considered sustainable.
Does One Mortgage Decline Mean Every Bank Will Decline You?
No, not necessarily.
Banks and non-bank lenders may have different policies covering:
- Income types
- Employment history
- Self-employed applicants
- Household expenses
- Credit-card limits
- Existing debts
- Deposit sources
- Low-deposit lending
- Property types
- Rental income
- Construction lending
- Previous credit issues
One bank may decide that your application falls outside its current policy, while another lender may assess the same circumstances differently.
However, another lender cannot simply ignore:
- Insufficient income
- Unsustainable repayments
- Undisclosed debts
- Serious credit problems
- Inaccurate information
- An unacceptable property
- Responsible lending obligations
The purpose of speaking with a mortgage adviser is not to hide a problem or repeatedly submit the same application. It is to determine whether the original decline was caused by a lender-specific policy, a correctable issue or a more fundamental borrowing limitation.
Consumer Protection notes that borrowers may approach banks, non-bank lenders or mortgage brokers, and that many non-bank lenders work primarily through mortgage advisers.
Why Do Banks Decline Mortgage Applications?
Banks consider the complete application rather than making a decision based only on salary or deposit.
Common reasons for mortgage declines include the following.
1. The Bank Does Not Believe You Can Afford the Repayments
Affordability is one of the most important parts of a mortgage assessment.
The lender will generally review:
- Your regular income
- Household expenses
- Existing loan repayments
- Credit-card limits
- Financial dependants
- Proposed mortgage amount
- Loan term
- Expected repayments
- The effect of higher interest rates
- Other ongoing financial commitments
The repayments you expect to make may be lower than the repayments used in the lender’s internal affordability assessment.
Banks commonly test the loan using assumptions that allow for potential changes in interest rates or financial circumstances. As a result, you may believe that you can afford the advertised repayment while still failing the lender’s servicing assessment.
Responsible lending requirements cover affordability assessments as well as other parts of the lending process.
What may help
Depending on the circumstances, options may include:
- Borrowing a lower amount
- Increasing your deposit
- Reducing existing debts
- Lowering unused credit limits
- Demonstrating additional reliable income
- Choosing a less expensive property
- Allowing more time to strengthen your position
A mortgage adviser should not advise you to manipulate expenses or omit financial commitments. All application information must be accurate.
2. You Have Too Much Existing Debt
Existing debt can reduce the amount available for a home loan.
The bank may consider:
- Personal loans
- Vehicle finance
- Credit cards
- Buy Now Pay Later accounts
- Overdrafts
- Student loans
- Business debts
- Guarantees
- Existing mortgages
- Investment-property lending
Even when a credit-card balance is currently zero, the available limit may still be relevant to a lender’s assessment because you could use that credit in the future.
Reducing unsecured debt before applying may improve your financial position, but the benefit will depend on the lender’s calculations and your overall circumstances.
Do not close accounts or repay debt solely because you assume it will guarantee approval. Ask your adviser how the change may affect your application first.
3. Your Debt-to-Income Ratio Is Too High
Debt-to-income, commonly called DTI, compares your total debt with your gross annual income.
New Zealand banks must operate within Reserve Bank DTI restrictions for residential lending. As at July 2026, banks may allocate only a limited portion of new owner-occupier and investor lending above specified DTI thresholds. These are bank-level “speed limits,” rather than an automatic rule that every borrower below a threshold will be approved.
A high DTI application may therefore be more difficult when:
- You already have substantial debt
- Your income is not high enough for the proposed borrowing
- You own investment properties
- You are applying jointly with significant existing liabilities
- The lender has limited capacity for higher-DTI lending
Can a broker get around DTI restrictions?
No mortgage broker cannot remove Reserve Bank requirements or force a bank to approve a high-DTI loan.
An adviser may, however:
- Calculate the likely DTI position
- Check whether exemptions could be relevant
- Review how different lenders assess income and debt
- Consider whether a lower loan amount is more realistic
- Identify whether a non-bank option should be assessed
- Recommend delaying the application until the position improves
4. Your Deposit Does Not Meet the Lender’s Requirements
A small deposit may limit the number of available options.
Loan-to-value ratio, or LVR, compares the amount borrowed with the value of the property.
As at July 2026, Reserve Bank restrictions allow banks to allocate only part of their new lending to owner-occupiers borrowing above 80% LVR and investors borrowing above 70% LVR. Banks can apply stricter criteria than the Reserve Bank limits.
This means having less than a 20% deposit does not automatically make a first-home loan impossible. However:
- Low-deposit capacity may be limited
- Eligibility requirements may be stricter
- Some property types may not be acceptable
- Low-equity costs or margins may apply
- The borrower may require a stronger overall application
- Available options can differ between lenders
Deposit problems can also involve the source of funds
The bank may require evidence showing how your deposit was accumulated.
Deposit sources may include:
- Personal savings
- KiwiSaver withdrawals
- Gifts from family
- Equity in another property
- Sale proceeds
- Approved grants or assistance
- Other documented sources
Borrowed deposits, unexplained transfers or funds that cannot be properly verified may create problems.
First-home buyers can learn more through our first home loan support in New Zealand.
5. Your Income Does Not Meet the Bank’s Policy
A high income does not always result in approval.
The lender will also assess whether the income is:
- Stable
- Ongoing
- Verifiable
- Likely to continue
- Acceptable under its policy
Income may require additional assessment when it includes:
- Overtime
- Commission
- Bonuses
- Casual employment
- Fixed-term contracts
- Multiple jobs
- Rental income
- Boarder income
- Overseas income
- Business income
- Shareholder salary
- Recently increased earnings
One lender may include a higher proportion of variable income than another. Another lender may require a longer history before using it.
A mortgage adviser may help identify which lenders are more likely to consider your particular income type, but the income must still be supported by reliable evidence.
6. You Recently Changed Jobs
A recent job change can affect a mortgage application, particularly when:
- You are still in a trial or probationary period
- The new role has fewer guaranteed hours
- Your employment changed from permanent to fixed-term
- You moved into a different industry
- There is limited employment history
- Part of your income is performance-based
- The lender has concerns about continuity
A job change does not always result in a decline. The impact depends on:
- Employment terms
- Previous work history
- Industry
- Income stability
- Deposit
- Overall financial position
- The selected lender’s criteria
Do not assume that you must wait a fixed number of months. A mortgage adviser can assess the employment situation against available lender policies.
7. You Are Self-Employed
Self-employed mortgage applications can require more financial evidence than standard salary or wage applications.
The lender may ask for:
- Financial statements
- Income-tax returns
- Business bank statements
- GST information
- Accountant-prepared records
- Details of business debts
- Evidence of current trading
- Explanations for significant changes
A profitable business does not automatically mean the full profit will be treated as personal income.
Potential issues include:
- Limited trading history
- Income fluctuations
- A recent decline in revenue
- Significant business liabilities
- Large one-off expenses
- Unpaid tax
- Difficulty separating personal and business spending
- Financial statements that are not current
Different lenders may interpret business income differently. A broker experienced with self-employed borrowers may help present the information clearly and determine whether the application is ready.
8. Your Credit History Raised Concerns
Lenders generally check a borrower’s credit information when assessing a mortgage.
A credit report may include information about:
- Credit accounts
- Repayment history
- Missed payments
- Defaults
- Insolvency
- Credit enquiries
- Account limits
- Previous addresses or identifying details
Consumer Protection recommends checking your credit reports regularly and disputing information that is inaccurate. It also notes that New Zealand has three credit-reporting companies, and an error may need to be corrected separately with each one.
Credit concerns may include:
- Unpaid defaults
- Recent missed repayments
- Repeated late payments
- Debt collection
- Court judgments
- Insolvency
- Numerous recent credit applications
- Undisclosed accounts
- Identity theft or incorrect information
Can you get a mortgage with bad credit?
Possibly, but it depends on:
- The seriousness of the issue
- How recently it occurred
- Whether the debt has been repaid
- The explanation
- Your current repayment behaviour
- Income and deposit
- The lenders available
- Whether the mortgage remains affordable
Some specialist or non-conforming lenders may consider applications that do not meet standard bank criteria, including cases involving credit history or limited proof of income. These options can have different costs and conditions and are often accessed through mortgage brokers.
A specialist loan should not be treated as an easy approval. The adviser should explain:
- Interest rate
- Fees
- Loan term
- Exit costs
- Refinancing risks
- Long-term strategy
- What would need to happen before moving to a mainstream lender
9. Your Bank Statements Raised Questions
A lender may review bank statements to verify income, expenses and financial behaviour.
Potential concerns can include:
- Unexplained large withdrawals
- Regular overdraft use
- Dishonoured payments
- Undisclosed debt repayments
- Gambling transactions
- Frequent Buy Now Pay Later use
- Transfers to accounts not explained
- Inconsistent income
- Spending that conflicts with declared expenses
- Unpaid bills or penalties
One transaction does not automatically result in a decline. The lender considers patterns, explanations and the overall application.
Do not alter, hide or selectively omit bank information. Instead, be prepared to explain legitimate transactions and provide supporting information when required.
10. The Property Is Not Acceptable to the Lender
A borrower may receive pre-approval but still struggle to obtain final approval for a particular property.
Lenders can have restrictions concerning:
- Apartments below a certain size
- Leasehold property
- Properties with significant defects
- Unconsented building work
- Rural or lifestyle properties
- Mixed residential and commercial use
- Homes in poor condition
- Properties affected by natural hazards
- Unusual construction materials
- Multiple dwellings
- Serviced apartments
- Certain developments
- Valuations below the purchase price
The lender is assessing both the borrower and the property being offered as security.
A mortgage broker may help determine whether another lender has different property criteria, but some issues may affect most lenders.
Your lawyer and qualified property professionals should advise on legal, structural and valuation concerns.
11. Your Application Was Incomplete or Inconsistent
Mortgage applications can be delayed or declined when the documents do not support the information provided.
Examples include:
- Income figures that do not match payslips
- Expenses omitted from the application
- Undisclosed debts
- Missing bank statements
- Incomplete business accounts
- Unexplained deposit funds
- Conflicting employment information
- Outdated identification
- Documents that cannot be verified
- Different information provided to different lenders
An adviser can help organise and review the application, but responsibility for providing complete and truthful information remains with the borrower.
Read how to apply for a mortgage loan in New Zealand for a detailed application checklist. Loans & Mortgages’ existing guide covers borrowing assessments, documents, pre-approval, loan structures and submission steps.
12. Your Financial Position Changed After Pre-Approval
Mortgage pre-approval is not the same as unconditional approval.
A pre-approval can be subject to:
- Verification of income
- Confirmation of deposit
- A satisfactory property
- Acceptable valuation
- Insurance
- Continued employment
- No material increase in debt
- Updated bank statements
- Expiry dates
- Other lender conditions
A previously acceptable application may be reassessed when:
- You change jobs
- Your income decreases
- You take out vehicle finance
- You increase credit-card limits
- You use part of the deposit
- Your expenses increase
- Interest-rate assumptions change
- The chosen property does not meet criteria
- The pre-approval expires
Avoid making significant financial changes between pre-approval and settlement without first discussing them with your adviser and lawyer.
What Should You Do Immediately After a Mortgage Decline?
Use the following process before making another application.
Step 1: Ask for the Main Reason
Contact the bank or adviser who submitted the application.
Ask:
- Was the issue affordability?
- Was the deposit insufficient?
- Was there a credit concern?
- Was the income unacceptable?
- Was the application incomplete?
- Did the property cause the decline?
- Was the borrowing amount too high?
- Would a lower loan amount be considered?
- Is further information required?
- Could the application be reconsidered?
The bank may not provide its complete internal assessment model, but even a general explanation can help determine the next step.
Step 2: Do Not Immediately Apply Everywhere
A panic-driven approach can create more confusion.
Avoid submitting several nearly identical applications before understanding:
- What caused the original decline
- Whether another lender applies different criteria
- Whether the financial information needs correction
- Whether the application should be delayed
- Whether another credit check will occur
- Whether the borrowing amount is realistic
Mortgage applications normally involve credit checks, and authorised credit enquiries may appear on your credit information. A mortgage decline is not the same as a payment default, but repeated applications can create multiple enquiries that future lenders may consider as part of the overall credit assessment.
Step 3: Review the Application for Errors
Check:
- Income
- Expenses
- Debts
- Credit-card limits
- Number of dependants
- Employment dates
- Deposit amount
- Deposit source
- Existing properties
- Rental income
- Loan purpose
- Property details
Correcting an error is different from changing truthful information to fit a lender’s policy.
Step 4: Check Your Credit Reports
Request your credit information from New Zealand’s credit-reporting companies.
Look for:
- Accounts you do not recognise
- Incorrect defaults
- Old debts shown as unpaid
- Incorrect repayment information
- Unauthorised credit enquiries
- Identity details that are wrong
Credit reporters are required to investigate disputed information. If inaccurate information is not corrected, further complaint options may be available through the Privacy Commissioner.
Step 5: Speak With a Mortgage Adviser
A mortgage adviser may review:
- The decline reason
- Your financial position
- Your documents
- Credit information
- Deposit
- Borrowing amount
- Property
- Lenders already approached
- Potential alternative lenders
- Whether reapplying now is appropriate
The adviser should also explain the limitations of their lender panel and whether higher-cost non-bank options are being considered.
Read how to choose a mortgage adviser in New Zealand before deciding who will review your application.
Step 6: Create an Improvement Plan
The correct improvement plan depends on the decline reason.
It could involve:
- Reducing the loan amount
- Increasing the deposit
- Paying down debt
- Lowering unused credit limits
- Correcting credit-report errors
- Establishing a longer employment history
- Preparing updated business accounts
- Improving financial record-keeping
- Providing clearer deposit evidence
- Selecting a different property
- Waiting until the application is stronger
Do not assume every recommendation must be completed. Prioritise changes that directly address the lender’s concern.
Step 7: Reapply With a Clear Strategy
A second application should have a defined reason for being more suitable than the first.
For example:
- The selected lender treats your income differently
- The previous application contained an error
- Your debt has been reduced
- The deposit has increased
- Updated financial accounts are available
- A more suitable property has been selected
- The borrowing amount has been lowered
- A credit-report issue has been corrected
- Your employment position has stabilised
Submitting the unchanged application to another lender without understanding policy differences may produce the same result.
How Can a Mortgage Broker Help After a Bank Declines You?
A mortgage broker may help in several ways.
Review the decline reason
The adviser can assess whether the problem appears to be:
- Lender-specific
- Documentation-related
- Credit-related
- Affordability-related
- Property-related
- Deposit-related
- Temporary
- More fundamental
Compare available lender policies
A broker may know which available lenders are more likely to consider:
- Self-employed borrowers
- Variable income
- Fixed-term employment
- Lower deposits
- Previous credit issues
- Unusual properties
- Multiple income sources
- Investment portfolios
Improve the presentation of the application
A clear application can include:
- Correct financial information
- Complete supporting documents
- Explanations for unusual circumstances
- Evidence of deposit
- Current income verification
- Accurate debt information
- Relevant property details
A well-presented application does not change the facts or guarantee approval. It reduces avoidable uncertainty.
Recommend that you do not reapply yet
Good mortgage advice is not always an immediate application.
An adviser may recommend that you:
- Reduce debt
- Increase savings
- Build a longer income history
- Correct credit information
- Wait for updated financial accounts
- Reconsider the property price
- Stabilise employment
This can be more helpful than submitting another weak application.
Assess non-bank options
Where standard bank lending is unavailable, a broker may assess non-bank or specialist lenders.
The adviser should clearly explain:
- Why the option is being considered
- Whether the loan is affordable
- The interest rate and fees
- Any adviser fee
- The risks
- The proposed repayment strategy
- Whether future refinancing is realistic
Non-bank lending should not be presented as guaranteed approval.
Can a Mortgage Broker Overturn a Bank’s Decision?
A broker cannot force a bank to change its decision.
The adviser may be able to:
- Ask whether information was misunderstood
- Provide missing documents
- Correct an application error
- Clarify income or deposit details
- Request reconsideration
- Submit to a more suitable lender
A reconsideration is most likely to be meaningful when new or corrected information addresses the reason for the decline.
If the lender correctly concluded that the loan was unaffordable, a broker should not pressure the lender to approve it.
Can Another Bank Approve Your Mortgage?
Yes, another lender may approve an application after one bank has declined it, but only when that lender’s assessment supports the loan.
Another bank may have different policies relating to:
- Income
- Employment
- Deposit
- Existing debt
- Rental income
- Property
- Credit history
- Loan size
- Loan purpose
However, all lenders must still assess affordability and comply with applicable responsible lending obligations.
The question should not be:
“Which bank will say yes?”
It should be:
“Which lender, if any, can responsibly consider my circumstances, and is the resulting mortgage suitable and affordable?”
Can a Non-Bank Lender Help?
Non-bank lenders can include:
- Building societies
- Credit unions
- Finance companies
- Specialist mortgage lenders
- Other authorised lending providers
Some specialist lenders consider applications that fall outside mainstream bank criteria, including certain borrowers with credit concerns, unusual income or limited financial history. Some of these lenders accept applications mainly through mortgage advisers.
Potential differences may include:
- Higher interest rates
- Additional fees
- Shorter loan terms
- Different deposit requirements
- More specialised security conditions
- Adviser fees
- A planned refinance or exit strategy
A non-bank loan may be appropriate in some circumstances, but it should not be used solely because it appears easier to obtain.
The adviser should compare:
- Total cost
- Affordability
- Risks
- Alternative options
- Expected time with the lender
- Likelihood of refinancing later
- What happens if the intended exit strategy fails
How Long Should You Wait Before Applying Again?
There is no universal waiting period after a mortgage decline.
You may be able to reapply relatively soon when:
- The original application contained an obvious error
- A document was missing
- A different lender has a clearly relevant policy
- The borrowing amount has been reduced
- The property, rather than the borrower, caused the decline
You may need to wait longer when:
- Employment history is too short
- Self-employed financial records are insufficient
- A recent credit issue needs time
- Debt must be reduced
- A larger deposit is required
- Income needs to stabilise
- The application is unaffordable
- Financial behaviour needs to improve
Waiting without changing anything will not necessarily produce a different outcome.
Ask your adviser what specific change the lender needs to see and how it can be demonstrated.
Can You Reapply With the Same Bank?
Potentially.
Reapplying with the same bank may make sense when:
- Incorrect information was submitted
- Missing documents are now available
- The loan amount has changed
- Debt has been repaid
- The deposit has increased
- Income has increased and can be verified
- The property has changed
- Enough time has passed for a relevant policy requirement
Do not resubmit the application without first confirming that the original concern has been addressed.
What If Your Mortgage Was Declined After Pre-Approval?
A pre-approval can still be declined or withdrawn before settlement.
Possible reasons include:
- The property is unacceptable
- The valuation is lower than expected
- Approval conditions were not met
- Your income changed
- You changed jobs
- You took on new debt
- Your expenses increased
- Your deposit changed
- Documents could not be verified
- The approval expired
- Updated lending criteria affected the application
If you have already signed a sale and purchase agreement, speak with your lawyer immediately.
Your lawyer can advise on:
- Finance conditions
- Deadlines
- Extensions
- Contractual obligations
- Risks of not obtaining finance
A mortgage adviser cannot provide legal advice or cancel a property contract.
Does a Mortgage Decline Affect Your Credit Score?
A mortgage decline itself is different from a missed payment, default or court judgment.
However, the application may involve a credit enquiry, and credit enquiries can appear on your credit report. Your credit information can also include repayment history, defaults, insolvency information and credit accounts.
This is another reason not to submit unnecessary applications to multiple lenders.
Before authorising another application, ask:
- Will the lender complete a credit check?
- Has a check already been completed?
- Which credit-reporting company may be used?
- Is the full application ready?
- Why is this lender being selected?
Should You Complain About a Mortgage Decline?
A lender is allowed to decline a mortgage when the application does not meet its criteria or the loan is not considered affordable.
A complaint may be appropriate when you believe:
- Incorrect information was used
- You were treated unfairly
- The lender did not follow its stated process
- Your private information was mishandled
- A credit-report error affected the decision
- The lender or adviser provided misleading information
- Fees were not properly disclosed
Start by raising the issue with the bank, lender or adviser through its internal complaints process. If it is not resolved, an approved external dispute-resolution service may be available. Consumer Protection recommends contacting the financial service provider first before escalating a complaint.
A complaint does not guarantee approval. Its purpose is to address unfair conduct, incorrect information or process concerns.
How to Strengthen a Future Mortgage Application
The following actions may help, depending on the reason for the original decline.
Reduce unsecured debt
Paying down personal loans, credit cards or other consumer debt may improve your financial position.
Review credit limits
High unused limits may affect some lender assessments. Discuss any changes with an adviser before closing long-held accounts.
Build a larger deposit
A larger deposit may reduce the LVR and loan amount.
Maintain stable income
Consistent employment or business income may help demonstrate that repayments are sustainable.
Prepare accurate documents
Make sure income, expenses, debts and deposit information match the supporting evidence.
Check credit information
Correct errors and address unpaid debts where possible.
Avoid new borrowing
Taking out a vehicle loan, increasing card limits or opening Buy Now Pay Later accounts before settlement could affect the application.
Choose a realistic property price
Approval should support a mortgage you can manage, not simply the maximum amount available.
Speak to an adviser early
Early guidance may identify issues before a property deadline or credit application occurs.
Common Mistakes After a Mortgage Decline
Avoid these reactions:
Applying to every bank
This can create repeated enquiries and inconsistent applications without addressing the underlying issue.
Hiding the original decline
Tell your adviser which lenders have already assessed the application and what feedback was received.
Changing the information to look better
Do not remove genuine expenses, debts or dependants.
Assuming a non-bank lender will approve anything
Specialist lenders still assess security, affordability and risk.
Borrowing the deposit without disclosure
The source of the deposit must be accurately explained.
Making major financial changes without advice
Closing accounts, changing jobs or moving money can have unintended consequences.
Signing an unconditional property offer without confirmed finance
Discuss finance conditions and legal risks with your lawyer.
Focusing only on getting approved
The mortgage must also be affordable, appropriately structured and suitable for your longer-term plans.
Questions to Ask a Mortgage Adviser After a Decline
Ask:
- What appears to be the main reason for the decline?
- Is the problem specific to that lender?
- Was the application complete and accurate?
- Should we request reconsideration?
- Which alternative lenders could be relevant?
- Why would another lender assess me differently?
- Will another credit check be completed?
- Should I reapply now or wait?
- What changes would strengthen the application?
- Is the proposed borrowing amount realistic?
- Could a non-bank lender be considered?
- What would a specialist loan cost?
- Is there an adviser fee?
- What are the risks of the proposed option?
- Can you guarantee approval?
The correct answer to the final question should be no.
Understand the Decline Before Applying Again
A mortgage decline does not always end your property plans, but it should not be ignored or treated as a signal to apply everywhere.
The next step should be based on evidence:
- Understand why the bank declined the application.
- Check the information and supporting documents.
- Review your credit reports.
- Identify whether the problem is lender-specific or more fundamental.
- Make realistic improvements where needed.
- Select another lender only when there is a clear reason to do so.
At Loans & Mortgages, we help first-home buyers, homeowners and property investors review their borrowing position, prepare mortgage applications and understand the lenders available through our business.
If your bank has declined your mortgage, speak with expert mortgage adviser before submitting another application.
We can review your circumstances and explain whether reconsideration, further preparation or an alternative lending option may be appropriate. Loans & Mortgages currently provides first-home lending support, access to bank and non-bank options, borrowing assessments and assistance from pre-approval through settlement.
This article provides general information only and does not constitute personalised financial, legal or credit advice. Mortgage approval is not guaranteed. Lender policies, interest rates, fees, LVR and DTI restrictions and eligibility requirements can change. Obtain advice based on your circumstances before making a financial decision.