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5 Ways To Improve Your Credit Score

5-ways-to-improve-your-credit-score

Your credit score is a number based on your history of borrowing and repayments that helps lenders work out how safe you are to lend to. Generally, a higher credit score is considered better as it indicates lower risk. You must aware that, having a poor credit history or a low credit score can seriously impact your finances and chances of getting a home loan. Although a low credit score has always been a worry, it’s not impossible to recover. There are 5 ways to help you to improve your credit score that includes:

5 ways to improve your credit score

1. Pay off your bills/repayments in time

This may seem obvious, but a lot of people may overlook their bills. It’s always recommended to set up direct debit payments for the monthly bill. Pay off all your bills, and make your repayments in time, without fail so that your credit score will build up and improve as you go!

2. Think twice before applying for credit cards

Don’t go overboard with too many credit cards, and only apply for credit when you need it. This practice would save you from the unnecessary burden of repayments and would build a good credit score.

3. Utilize your credit generously

Make sure that you are always within your credit limit. When you utilize your credit generously, you are contributing to improving your credit score.

4. Pay off any existing defaults

You must pay off the unpaid arrears if any, such as your loan and credit card repayments, or utility bills that are overdue for more than 60 days to get back on track.

5. Showcase your old debts

If you have paid off some old debts like a car loan or a personal loan, with a track record of timely repayments, it is a great addition to your report. When you showcase your paid off debts, it adds to your ability that being able to pay back what you owe.

To get help on getting your credit score on track, don’t hesitate to contact us. We have experts who can help you with your credit record back on track to help you get a loan. Our mortgage brokers in Point Cook can also help you with your mortgage or refinancing.

Disclaimer:

The information presented by staff or employees of Credit Hub and its associated companies is provided for general informational purposes only. We do not guarantee the accuracy, completeness, or timeliness of the data or views presented. Audience members should conduct their own research and verify any information before relying on it. Credit Hub and its associated companies are not liable for any errors or omissions, or for any actions taken based on the information presented.

Mortgage Broker in Point Cook

Credit Hub Australia
About the role

Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.

In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.

“Position is for Mortgage broker on commission/contract basis.”

What you'll be doing
  • You will develop and expand network with our help.
  • Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.

  • You will act on leads and existing database as provided and generate sales and ongoing relations.

  • Actively participate in team meetings and contribute to the overall success of the business

What we're looking for
  • You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.

  • In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.

  • Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.

  • A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.

  • Self-motivated and capable of working independently, while also thriving in a collaborative team environment.

  • Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.

  • Ability to manage multiple tasks, stay organized, and work reliably without supervision.

  • A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.

What we offer

At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:

  • Competitive remuneration and performance-based bonuses
  • Ongoing training and professional development opportunities
  • Flexible work arrangements and a positive work-life balance
About us

Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group. 

If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.

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