Zeroo | 0% Deposit Home Loans

This one catches a lot of people by surprise. You might have a $0 balance, but if you have a large credit limit sitting there, it can still affect how much a lender is prepared to let you borrow.

If you’re hoping to buy in the next year, it could be worth reviewing the limits and cards you actually need.

A small bit of housekeeping now could make a difference when it’s time to apply.