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Creditworthiness calculatorTable of contents
Differences in creditworthiness results between banks are normal. Each bank has its own risk policy, safety buffers and approach to income sources. That is why you should compare — not rely on a single result.
If you need the basics, see: Creditworthiness — how banks assess it.
Common reasons include:
Banks can also assess age, job tenure, industry or employment stability differently. Some differences stem from internal risk policies that are not visible in simple calculators.
For a fair comparison:
Use the Loan calculator and APR guide for orientation.
For comparisons, keep one coherent set of inputs: net income, fixed living costs, card limits and existing instalments. Changing inputs between banks makes the comparison meaningless.
Make preliminary comparisons without submitting formal applications — use calculators and informational talks instead. This helps avoid a large number of credit inquiries.
Differences are usually larger for mortgages due to collateral and down payment. For cash loans, see: Cash‑loan creditworthiness.
For mortgages, the down payment often changes not only pricing but also availability. Banks treat LTV thresholds differently, which affects capacity and the final offer.
Some banks treat co‑borrowers more favorably than others. Check how joint income and liabilities are assessed before applying.
In practice, the process is faster when you have up‑to‑date income confirmations, account statements, a list of liabilities and data about the loan purpose. The more organised the set, the fewer manual adjustments are needed.
Scenario 1: two applicants with stable income. One bank shows higher capacity because it uses lower living‑cost assumptions.
Scenario 2: self‑employment income. Bank A applies a conservative coefficient; bank B is more flexible — hence different results.
Calculator results or initial conversations are only indicative. Final decisions depend on full document verification, risk policy and loan parameters. Treat early simulations as a starting point, not a guarantee.
A lower instalment does not always mean a better offer. A longer term can raise the total cost, so always compare APR (RRSO) and the total amount to repay. This often explains why banks assess “affordability” differently for the same amount. Remember that capacity is not fixed — it changes with income, living costs and market conditions. Refresh your simulations before applying.
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