Credit Assessment Solutions Sunshine Coast

caloundra, sunshine coast QLD

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Credit Assessment & Borrowing Power Check Know Where You Stand Before You Apply, from home loans to business financing, with competitive rates to help achieve your goals.
Credit Assessment Caloundra KA Lending solutions

Credit Assessment & Borrowing Power Check

Credit Assessment & Borrowing Power Check Based in Caloundra & Know Where You Stand Before You Apply

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+61 0447 503 399

Know Where You Stand Before You Apply

Understanding your credit position is the first—and one of the most important—steps in securing a home loan or any type of finance. At KA Lending Solutions, we offer a free credit assessment service to help you get loan-ready with confidence.

Based in Caloundra and proudly servicing clients across the Sunshine Coast, we’ll help you assess your credit health, borrowing capacity, and serviceability, so you can take the next step in your property or finance journey.

Comprehensive Free Credit Assessment

Free credit assessment is a comprehensive review of your financial position and creditworthiness. Lenders use this information to determine how much they’re willing to lend you, and on what terms.

     Explore our range of lending products designed to meet your unique financial needs, from homeownership to business growth. We provide expert guidance, competitive rates, and flexible options to help you achieve your goals seamlessly.

A credit assessment is a comprehensive review of your financial position and creditworthiness. Lenders use this information to determine how much they’re willing to lend you, and on what terms.

At KA Lending Solutions, we conduct a personalised credit review that includes:

  • Checking your credit score and report

  • Reviewing your income, expenses, debts, and assets

  • Estimating your borrowing power

  • Assessing your serviceability (your ability to meet loan repayments)

  • Identifying areas to improve before applying

Whether you’re applying for a first home loan, looking to refinance, or considering investment finance, knowing your credit position gives you a stronger foundation when approaching lenders.

Benefits of a Pre-Loan Credit Check:

✅ Know how much you can borrow before house hunting
✅ Fix issues on your credit report before applying
✅ Increase your chances of approval with the right lender
✅ Compare loans with confidence
✅ Get tailored strategies to boost your application success

Your credit report includes key information that lenders use to determine your financial reliability, such as:

  • Your credit score (a number between 0–1200)

  • Current and past credit accounts

  • Loan and credit card limits

  • Missed or late repayments

  • Defaults or judgements

  • Recent credit enquiries

We’ll walk you through your report step-by-step, explaining how each factor affects your ability to get a loan—and how to improve it if needed.

Every lender has different lending criteria, so knowing your borrowing power helps you shop smart and stay within budget.

We’ll calculate your estimated borrowing capacity based on:

  • Your gross and net income

  • Monthly expenses and debts

  • Family size or dependents

  • Loan type and interest rate

  • Loan term preferences

Want to know what you could afford today? Our expert team can help you compare your options and get pre-qualified—without affecting your credit score.

 

If you’re not quite ready to apply for finance, don’t worry—many clients aren’t. We’ll work with you to improve your financial profile through:

  • Budgeting and expense management tips

  • Debt consolidation or credit repair strategies

  • Smart planning for saving a deposit

  • Choosing the right loan structure

Ideal for:

  • First home buyers

  • Homeowners wanting to refinance

  • Property investors

  • Self-employed or low-doc applicants

  • Anyone denied a loan recently

  • Anyone unsure of their credit standing

Why Choose Us?

At KA Lending Solutions , we understand that no two borrowers are the same. That’s why we offer a personalized approach to lending, ensuring you get the best solution for your financial goals.

  • Competitive Rates: Our loan products are designed to offer some of the most competitive interest rates in the market.
  • Tailored Solutions: We work closely with you to understand your needs and provide customized lending solutions.
  • Expert Advice: Our experienced team of financial specialists will guide you through every step of the process.
  • Fast, Simple Applications: We make applying for a loan easy and hassle-free, with quick approval times and flexible terms.
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Get Started Today

Ready to take the next step? Whether you’re buying a home, growing your business, or consolidating debt, we have the perfect lending solution for you. Contact us today to explore your options and find out how we can help you achieve your financial goals. Let us help you find the right loan, with the best rates, and guide you every step of the way.

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FAQ

Frequently Asked Questions

My services to my clients are free of charge, I get paid a commission from the lending institution that has been chosen by you. So after settlement of your loan the bank or financial institution will then pay me a commission for doing the loan.  So my job is to help you find the best loan option for you for your situation.
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+61 447503399
I can service anyone in Australia online, you make an appointment either by chatting with me at first, you can make an appointment with me and I can either setup a virtual meeting through zoom and or I can come visit you on the sunshine coast or close by which ever suits. I am located South end of the Sunshine coast. Caloundra, little mountain and I can travel to see you, no matter where you are we can can chat to find the right method in achieving a financial outcome for you.
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+61 447503399
Every bodys situation and story is different, I can help you with this and there are a lot of things to consider, like your income and employment status, your expenses, liabilities, assets, age, dependants and where you may want to buy if purchasing a home. I can guide you through this and the different policies and lenders have around you own personal circumstances.
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+61 447503399
Using a mortgage broker they have your best interest and are able to work for you and not their own interests, mortgage brokers will have access to all and or many lenders and financial institutions and know their credit policies to suit your circumstances as not all lending products are the same. Using your local bank may not have a suitable product to meet you needs as each bank and lending solutions may only have a handful of products and will niche to certain criterias and industries for their products to match, your broker can match the right lender for you and or your situation and get you a better rate and in some cases a better discount.
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+61 447503399
The benefit of obtaining a pre-approval is that you know how much you are able to borrow and spend on a home.  This will save you a lot of time in the home hunting process and you will know what you can afford and to be realistic in the buying process and what you will be up for in purchasing costs. A Pre-approval can also make you more attractive to a potential seller. Getting pre-approved for a loan indicates that you’re serious about buying the property. and will also speed up the buying and settling process as the pre – approval also will be valid for a period of time to help in taking out the stress in buying and settling.
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+61 447503399
From the very first loan we do for you, our focus is on keeping your lending costs down with proven strategies that accelerate your financial freedom – including our Client Care Program. In fact, it is crucial to our success that we do such a great job for you that will want to mention us to your friends and family when they are thinking about their next loan.
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+61 447503399
Every time you make a loan inquiry with a lender it is recorded on your credit file. Lenders see this and it makes them wary of lending to a person they think is ‘shopping around’ too much for finance or who may have been declined by another lender. We make sure not to present your loan to a lender unless they are confident it will be approved.
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+61 447503399
KA Lending Solutions - Mortgage Broker Caloundra QLD
5.0
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Bartosz Kaczmarczyk
23:43 11 Apr 25
Very kind and helpful. Helped immensely with my queries and will definitely contact in later stages of mortgage taking
Response from the owner 23:06 13 Apr 25
Hi Bartosz,Thank you so much for reaching out and sharing your experience as a first home buyer! We know how exciting (and sometimes overwhelming) this journey can be, and we’re here to make it as smooth and stress-free as possible.Always happy to provide clear, tailored advice and guide you every step of the way—from understanding your loan options to accessing grants and making confident decisions.If you have any more questions or need support, feel free to give us a call or drop by anytime. We’re here to help you get into your first home with confidence and ease! 🏡😊Warm regards,Kerry-Anne SimpsonLocal Mortgage Finance Broker, Caloundra.
Christine Delaney
09:16 16 Sep 24
Kerry-Anne was incredibly from the minute we met her. She assisted us through the process to best suit our needs. I would recommend and use KA for any future opportunities that might pop up. Thanks for all your advice and professionalism.
Response from the owner 21:27 16 Sep 24
It was my pleasure to help you in the process of making the right sound financial decision for your needs. I look forward to helping you in the future if needed. Remember that I do personal and business loans too.
Doreen Davis
07:20 04 Sep 24
I was able to finish off my home renovations and repairs by obtaining a reverse mortgage, I want to thank Kerry-Anne for explaining this option to me and help in acquiring the right amount of monies from my property to do so
Response from the owner 07:46 04 Sep 24
Thanks for the feedback it was a pleasure to assist you with a reverse mortgage to finish off the house I would love to see some photos. Please share if you can when your done
claramae Bishop
21:43 22 Aug 24
KA Lending have made refinancing my car vehicle seamless and having a short time of credit history in Australia made it easy and a reilf getting down to a more competitive interest rate. Highly recommend KA Lending Solutions for any Lending needs
Response from the owner 23:17 22 Aug 24
Thanks Clara, your welcome I love finding solutions and to get your interest rate down 10% less than what it was, that to me was so good to be able to achieve for you. making the process seamless for you and transparent I am so glad I could help you as the loan itself was not very old but long enough to be able to do something without an exit fee on the original loan. If I can help you with any or your other lending solutions and or family members and friends please pass on my details I am more than happy to help them.
Sharni Steinhardt
04:12 20 May 24
Not only will Kerry-anne get you the highest loan possible for you, she is also absolutely fantastic to communicate with during the whole home loan application process. She goes above and beyond to ensure you have all the information you need to make the process as stress free as possible. I will be contacting her in the future for our next purchace.
Response from the owner 03:43 20 May 24
It was such a pleasure to work with you Sharni, you put in just as much time and effort into your journey into home ownership for you and your family which you didn't take lightly and congratulations on taking the advice and the steps towards your dream home of a safe place and environment for your children as well.
Danielle Hartley
03:22 17 May 24
I spoke to Kerry to discuss my options in trying to get into the property market as a single parent first home buyer. Kerry provided excellent information on steps I should take to ensure I have everything sorted at the time of my application. Thank you Kerry.
Response from the owner 22:38 19 May 24
Danielle it has been a pleasure to help you and your family I look forward to your journey and to make that a smooth one for you, take out the stress of buying your first home and to let you know your options as there are many.
Darlene Hartley
02:50 17 May 24
KA Lending Solutions are really going above and beyond to help my daughter reach her goal of buying her first home, thank you so much Kerry-Anne for your help.
Response from the owner 22:36 19 May 24
thanks Darlene as I can help anyone anywhere in australia and has been a pleasure to help her make her steps towards homeownership I look forward to her journey

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