Credit Assessment Solutions Sunshine Coast
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 & Borrowing Power Check
Credit Assessment & Borrowing Power Check Based in Caloundra & Know Where You Stand Before You Apply
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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:
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Checking your credit score and report
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Reviewing your income, expenses, debts, and assets
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Estimating your borrowing power
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Assessing your serviceability (your ability to meet loan repayments)
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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:
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Your credit score (a number between 0–1200)
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Current and past credit accounts
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Loan and credit card limits
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Missed or late repayments
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Defaults or judgements
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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:
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Your gross and net income
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Monthly expenses and debts
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Family size or dependents
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Loan type and interest rate
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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:
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Budgeting and expense management tips
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Debt consolidation or credit repair strategies
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Smart planning for saving a deposit
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Choosing the right loan structure
Ideal for:
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First home buyers
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Homeowners wanting to refinance
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Property investors
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Self-employed or low-doc applicants
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Anyone denied a loan recently
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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.

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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