Awesome Lending Solutions  |  Call 02 7904 9560

Repayments gone up? Find out what rate you really qualify for.

A free 15-minute Credit Ready Check. We look at the 4 things lenders judge you on and compare 60+ lenders. You get an honest answer in writing within 48 hours.

  • Free, with no obligation
  • No credit check to get started
  • We’ll tell you if you’re better off staying put

Get my free Credit Ready Check

Name

We’ll call you within one business day. Your details stay private.

The cheapest rate isn't about the bank. It's about your 4Cs.

Lenders give their sharpest rates to borrowers they see as the lowest risk. They judge that on four things:

  • Character: your credit history
  • Capacity: whether you can comfortably afford the repayments
  • Capital: your equity and the property itself
  • Conditions: what’s happening with rates and lender rules right now

Rates have gone up several times this year, and lenders keep changing their rules. Your 4Cs may look very different from when you first borrowed.

Strong, Likely, Vulnerable or Weak?

Every borrower lands in one of four boxes, based on their credit history and their capacity to repay. Your Credit Ready Check shows which box you’re in and what that means for your rate. Then we give you a clear next step, even if that step is “stay where you are”.

Lower capacity to repayHigher capacity to repay
Strong credit historyLikelyStrong
Weaker credit historyWeakVulnerable

How it works

  1. Tell us a little about your loan. It takes under a minute.
  2. Have a 15-minute chat. By phone or video, at a time that suits you.
  3. Get your answer in writing. Your Credit Ready result, what you could save, what it would cost to switch, and our honest recommendation.
Book my free check

Who you'll be talking to

Albert Waldron, Director and Finance Strategist at Awesome Lending Solutions. Albert has been a mortgage broker since 2002, has helped settle more than 1,000 loans and works with a panel of 60+ lenders. Our service is free to you. Lenders pay us when a loan settles.

Quick questions

Does it cost anything?

No. The check and our broking service are free.

Will it affect my credit score?

No. Nothing goes on your credit file unless you decide to apply for a loan.

What if I’m on a fixed rate?

We’ll check your break costs and tell you whether it’s worth switching now or waiting until your fixed rate ends.

What if I can’t refinance?

We’ll still help. We can help you ask your current lender for a better rate, and build a plan so you’re ready later.

Get my free Credit Ready Check

Or call 02 7904 9560.

Albert Waldron is a Credit Representative (407514) of Australian Finance Group Ltd, Australian Credit Licence 389087. This is general information only and does not take into account your personal circumstances. Please seek advice before acting. Credit Ready Check is a free lending review, not a credit repair service.