Finance advice

Changes to the Australian credit reporting system

By Heidi Armstrong

HeidiArmstrong 70x60Due to changes to the Australian Privacy Laws, lenders will now be able to see even more information on your credit file than ever before.

Blogger: Heidi Armstrong, CEO, State Custodians

Previously, Australia worked under a negative reporting system, which meant that lenders could just see credit defaults and enquiries. However, as of March 12, 2014, Australia switched to a positive credit reporting system. This means that lenders will now have access to more information including:

•    Account open date and close dates
•    Type of credit account eg. credit cards and personal loans
•    Credit limit. This is the maximum amount of credit available to you for an account.
•    Monthly repayment history for ongoing financial commitments. Lenders will be able to see if you make repayments on time or not.

Ultimately, these changes have a purpose of benefiting both borrowers and lenders. After these changes come into effect, lenders will be able to provide more responsible lending as they will have a clearer insight into the borrower’s current financial situation. Also, if borrowers maintain a clean credit report and repayment history, it may help them obtain a more competitive home loan.

If you know that you regularly miss repayment deadlines and are not in the best financial position, there is still time to turn your situation around and improve your credit file.

Reduce debt: It is not long until the new changes come into effect, so the quicker you can reduce your debt, the better. If you have any outstanding repayments, make an effort to pay them off as soon as possible as unpaid defaults are a big red flag for lenders. 

Maintain a clean repayment history: Paying off a mortgage is a long term commitment and lenders need to be sure you can meet the repayments. If you have a history of late repayments, it could negatively affect your home loan application. So, it is important you make an effort to meet all of your bill deadlines.  

Don’t take on more debt: If you know that you are already in a tight financial position, you could get into serious financial trouble if you take on an unnecessary amount of debt. Interest free and deferred repayment deals may sound attractive, but what happens when the interest free period ends? Will you be able to meet the repayments if you still have an amount owing?


About Heidi Armstrong
HeidiArmstrong 340x408

Heidi Armstrong is the CEO for State Custodians Mortgage Company. Since founding the Company in 2006, State Custodians has grown to become one of Australia’s most respected non-bank lenders. Heidi holds a Law Degree, a Bachelor of Science and a Diploma of Finance and Mortgage Broking Management. An expert in personal finance, securitised lending and the mortgage industry, Heidi is passionate about sharing her invaluable knowledge to educate borrowers.

Widely recognised and respected by industry peers, Heidi was a finalist in the 2012 Australian Lending Awards for the Best Thought Leader. Moreover her Company, State Custodians, has received numerous awards, including Money Magazine’s 2013 Non-Bank Lender of the Year, a ‘5 Star’ CANSTAR rating on four of its main loans for six years running and the prestigious award for Best Overall Customer Service at the 2013 Australian Home Loan Awards (beating all of the major banks, credit unions and other lenders and mortgage providers for superior customer service).

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Why buying new property doesn’t mean buying better property

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