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Absolutely! Single parents can and do qualify for home loans. Lenders assess your ability to repay based on your income, expenses, credit history, and savings. We specialize in helping single parents navigate the process and find loan options that work for their unique circumstances.

Your borrowing capacity depends on several factors including your annual income, existing debts, monthly expenses, and credit score. As a general guide, lenders may allow you to borrow 4-6 times your annual income, though this varies. Use our Borrowing Power Calculator to get a personalized estimate.

You'll typically need: proof of identity, recent payslips or tax returns, bank statements (usually 3-6 months), proof of savings for your deposit, details of any existing debts or loans, and proof of child support or government benefits if applicable. We'll guide you through the specific requirements.

Yes! Many lenders will consider regular child support payments as part of your income. However, policies vary between lenders, and there may be specific requirements about how long you've been receiving payments. We can help you find lenders who take a favorable view of child support income.

While a 20% deposit is ideal to avoid Lenders Mortgage Insurance (LMI), many single parents successfully purchase homes with smaller deposits of 5-10%. First-home buyers may access government schemes that require even less. We'll help you explore all available options.

A less-than-perfect credit score doesn't automatically disqualify you. We work with a range of lenders who consider your overall financial situation, not just your credit score. We can also provide advice on improving your credit score before applying if needed.

Yes! Refinancing can help you secure a better interest rate, reduce monthly payments, or access equity in your home. This can be especially helpful for single parents looking to improve cash flow or fund renovations. We'll assess whether refinancing makes sense for your situation.

Pre-approval can often be obtained within 3-5 business days. Full approval typically takes 2-4 weeks, depending on the complexity of your application and how quickly documents are provided. We streamline the process to make it as quick and stress-free as possible.