Have you ever wondered what lenders are looking for when they decide to approve or deny your loan application?Welcome to the Australian Property Investment Podcast. In each episode, we ask a guest expert to share their key insights for aspiring investors to make confident property choices.In this week's episode, we are joined by Jaymee Belleza, Credit Manager at Bluestone Home Loans, as she shares with us what goes into a lender's decision-making process when it comes to approving or denying a loan application.She also gives valuable insights regarding why a loan gets rejected, whether a declined credit card can be overturned, why a credit manager asks too much of the clients, how credit assessors can help you, and so much more.If you want to learn more about the approval process directly from a credit manager so you can make your loan application as smooth and stress-free as possible, then make sure to listen to this episode!Looking for expert conversations that educate investors like yourself to help you build a quality property portfolio? You’re in the right place. Stay tuned!Time Stamps:00:00 Intro01:03 What Does It Mean to Be a Credit Manager?02:36 What are Credit Managers Looking for in Loan Applications?06:09 Company Discrepancies07:27 Reasons for Loan Rejections08:56 Numbers or Percentage of Loans Approved10:20 Why Unexpected Things Happen12:09 Can A Declined Credit Card be Overturned?13:58 Reasons Why Credit Managers Ask Too Much to the Client16:38 Jamie's Advice to Move Forward18:08 Senior Underwriter vs. Normal Underwriter22:03 How Does an Application Get Upweighted or Recognised?23:36 How Credit Assessors Help You26:20 Can Somebody Put a Settlement Condition?28:56 Final Thoughts/OutroAbout Our Host:Aaron-Christie David is the founder of Atelier Wealth and a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years in financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broAbout Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron: Visit the website: https://atelierwealth.com.au/ Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn: https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth’s YouTube Channel: https://www.youtube.com/@atelierwealth_au

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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