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606b mortgage options, rising rates, pre-approvals, rate locking, online only lenders + more (mortgage broker q&a)

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Saving for a Home Loan

While you're saving for a deposit, especially in that last six months before you're ready to buy, it's great to look at your account conduct and your spending. I don't think you should be going out and getting short term credit in the lead up to getting a home loan. Things like short term lenders after pay, zip pay, all impact negatively on your credit score at the time. Good savings and good income is what you're going to do to get a home Loan.

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