Skip to content

Would I qualify for a home loan if I have a poor credit score?

Banks require a clear credit record before they will consider approving your home loan application. However a good credit record can’t be achieved overnight. If you are considering buying a house, you should do what you can right away to improve your score. The best way to be financially fit is to pay your bills on time and in full. It’s simple really: to ensure a good credit record, don’t get into more debt than you can afford, and then make sure you pay it all back.

Learn more about how to clear your credit record, and how to find out what your credit score is.

Do you know your credit score?

Check your credit score for free in minutes.

What's My Credit Score

Ranked #1 in Financial Services on Hellopeter

hello-peter
image-stars

Average rating of 4.82 from over 3 000 reviews

Simply The Best

Ooba home loans services are simply the best. My Consultant Bianca Dancer was so hands on and helpful from the get go. She guided me through the entire process and put me at ease being a first time buyer. I highly recommend their services.

Tia J

Excellent Service

Jay Govender and Maleshini Reddy from OOBA provided outstanding assistance and guidance in securing our home loan. Response times were excellent and they were professional and friendly.

Brice G

Bond Application

Estelle Vorster was really helpful in securing the best deal for my home loan, she not only negotiated a lower interest rate she went as far as securing 50% discount on the transfer costs.

Butana M