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Home Financing Library

Other Credit Factors

Lenders may look at other information besides your credit score and credit profile before deciding whether to approve your mortgage. They may also consider:

  • Income stability
  • Employment history
  • Monthly debts in relation to your income
  • Savings amount and methods
  • Mortgage type
  • Property type and value
  • Down payment amount
  • Timeliness of rent and utilities payments