How does my credit score affect my home loan?

Australian credit history files are maintained by VEDA. On request, VEDA will provide a copy of your credit history to yourself or any third party you authorise.

Australian credit history files are maintained by VEDA. On request, VEDA will provide a copy of your credit history to yourself or any third party you authorise. The credit history report lists all credit history enquiries, including those from financial institutions, telco companies and others.

The credit history report will list any situations where a formal claim has been made that you haven’t met your financial obligations. If you’d like us to, we can obtain a credit history report on your behalf and help you deal with any issues for good. Extinguishing a blemish on your credit history is not as hard as you might think, and we’re here to assist you. Just contact us on 133 866 or through online chat.



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What our customers are saying

Desert Rose
February 4, 2026
5 stars for our service reviews from clients
I reached out to Mike Parsons and he was knowledgeable, tailored his advice to my specific situation and offered options which were aligned with my goals. Above all he was understanding and professional.The whole process was smooth and stress-free. Mike offered exceptional service and kept me updated throughout the whole approval process.
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Mac
February 4, 2026
5 stars for our service reviews from clients
I highly recommend Mike Parsons from Uno Home Loans. He is a clear, patient communicator who made the complex loan application and settlement process easy to understand. Mike is very thorough and reassuringly meticulous with documentation. He was generous with his time, always prompt with answers, and handled multiple applications and extensions for us seamlessly, while giving useful advice on loan options along the way, even if it meant more work for him. Most importantly, Mike secured us a great loan when other brokers couldn't. I’ve already recommended him to friends and will continue to do so. The best broker I have used out of the several i have interacted with.
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Christian Hartwig
January 28, 2026
5 stars for our service reviews from clients
Worked with 4 brokers now, 2 from uno one two with lendi. Uno is best, and jake is the best from uno. <3
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Shona Vetenibua
January 5, 2026
5 stars for our service reviews from clients
We can’t recommend Paul highly enough. He truly went above and beyond for us and made what could have been a stressful process feel simple and manageable. Paul’s communication was clear and honest from the start. He was straight up about everything, provided us with a clear list of what we needed to supply, and then took care of the rest. He was transparent throughout the entire process and always took the time to answer our questions — no matter how big or small. As first-home buyers purchasing in a new country, we were nervous going in, but Paul made the whole experience easy and reassuring. We felt supported every step of the way and genuinely appreciated his professionalism and guidance. Very appreciative of everything Paul did for us — we couldn’t have done it without him.
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Miten Chauhan
December 31, 2025
5 stars for our service reviews from clients
We had the pleasure of working with Paul Davey to secure a home loan for our first home. Paul was extremely knowledgable and helped make the entire journey of securing a property in Australia a breeze. We can't thank you enough for everything you did Paul, you are a true legend. Thank you very much! We'll be back for our next property.
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Jamal Miller
December 29, 2025
5 stars for our service reviews from clients
Mike was recommended to us by a friend and exceeded expectations. He was extremely informative, patient, and flexible, and made our first home purchase a smooth experience. Beyond securing a great rate, the real value was how he managed all communication between solicitors, lenders, and other parties. This made settlement seamless and was incredibly helpful for us as time-poor buyers. Highly recommend.
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Tutana Outram
December 20, 2025
5 stars for our service reviews from clients
Jesse provided exceptional guidance throughout our refinance, home sale, new purchase, and the construction loan for our family home. His professionalism, clear communication, and attention to detail made every stage of the process seamless. Highly recommended.
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Stephen Hutchinson
December 18, 2025
5 stars for our service reviews from clients
We would like to thank Scott Wilkinson for all of his help refinancing our home loan. The service was excellent. Highly recommend Scott and UNO.
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Alice V
December 5, 2025
5 stars for our service reviews from clients
great experience - very supported throughout the whole mortgage arrangement process
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Cassie Ninness
December 1, 2025
5 stars for our service reviews from clients
Jake was fantastic when refinancing our home loan. The whole process was made so easy by Jake who had a lot of knowledge, was attentive and kept us well informed through the whole process. Such an easy and positive experience and I would recommend him and his services to anyone.
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Kobe Ferguson
November 29, 2025
5 stars for our service reviews from clients
I had the absolute pleasure of working with Jake de Ruyter on our home loan application, and I couldn’t recommend him highly enough to anyone looking to finance a new home. From his lightning-fast response times to his extensive knowledge across every stage of the process, Jake has been a breath of fresh air during what can be a very stressful period. He made sure we understood each step clearly and took the time to explain anything we weren’t familiar with in a way that genuinely made sense. Jake went above and beyond to find the best option for our specific situation, and his dedication has truly set him apart. We will absolutely be using Jake for all future finance needs. Highly recommended
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Riley Nicoll
November 29, 2025
5 stars for our service reviews from clients
My partner and I have just bought our first home and Jake de Ruyter helped us arrange our finance. Jake was an absolute pleasure to deal with. He made the process smooth, stress-free, and straight-forward. He displayed professionalism and open communication throughout the process and was quick to act on every piece of correspondence. We are so happy and will 100% be doing all our future finance through Jake.
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