Loan underwriting is the process that is undertaken to look at all of the information provided by each loan applicant and their credit file; to assess whether or not they meet a minimum loan criteria.  Each application is assessed on the likelihood of the applicant making the required payments based on both the current affordability of the loan and their financial past. Accepted applicants will demonstrate that loan repayments are affordable, based on their income and outgoings for the term of the loan and that they have a strong record of managing credit in the past.

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