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    <title>Freeway Lending</title>
    <link>https://freewaylending.com.au</link>
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    <description>Specialist home and business lending for Australians who don&apos;t fit the bank&apos;s box.</description>
    <language>en-AU</language>
    <lastBuildDate>Sat, 26 Sep 2026 10:20:31 GMT</lastBuildDate>
    
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      <title>Low credit score home loans in Australia: how to get approved before your score improves</title>
      <link>https://freewaylending.com.au/articles/low-credit-score-home-loans</link>
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      <pubDate>Sun, 13 Sep 2026 00:00:00 GMT</pubDate>
      <category>Guides</category>
      <description><![CDATA[A low credit score doesn't disqualify you from a specialist or non-bank home loan in Australia — most banks decline around 620 or below, but specialist lenders read the file manually and regularly approve from the 500s up, with a higher rate as the trade-off for access to lending the banks refuse.]]></description>
      <content:encoded><![CDATA[A low credit score doesn't end your home loan chances — it changes who'll lend to you. Here's exactly what specialist and non-bank lenders look at, the four paths you have today, and the realistic cost of each.]]></content:encoded>
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      <title>A default doesn&apos;t have to mean no forever: how specialist lenders really think about credit</title>
      <link>https://freewaylending.com.au/articles/default-no-forever</link>
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      <pubDate>Tue, 01 Sep 2026 00:00:00 GMT</pubDate>
      <category>Education</category>
      <description><![CDATA[A listed default does not automatically disqualify you from specialist or non-bank lenders — most actively price the risk with fresh data, time-on-file and clear explanations rather than refusing on the default alone.]]></description>
      <content:encoded><![CDATA[If you've been declined by a mainstream bank after a default or missed payment, here's exactly what specialist and non-bank lenders look at instead — and what you can do today to get back on the road.]]></content:encoded>
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      <title>The real cost of refinancing: 7 questions to ask before you sign</title>
      <link>https://freewaylending.com.au/articles/refinance-real-cost</link>
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      <pubDate>Tue, 25 Aug 2026 00:00:00 GMT</pubDate>
      <category>Guides</category>
      <description><![CDATA[The headline rate on a refinance rarely reflects the total cost — discharge fees, application fees, valuation, legal, break costs and ongoing fees can add thousands, so the only meaningful comparison is the all-in cost over the life of the loan.]]></description>
      <content:encoded><![CDATA[Refinancing can save thousands — or cost thousands more than your current loan. Use this checklist before you commit, with the actual cost categories most brokers don't volunteer.]]></content:encoded>
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      <title>Self-employed home loans in Australia: what the banks don&apos;t tell you</title>
      <link>https://freewaylending.com.au/articles/self-employed-home-loans</link>
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      <pubDate>Wed, 12 Aug 2026 00:00:00 GMT</pubDate>
      <category>Education</category>
      <description><![CDATA[Mainstream banks decline self-employed applicants far more often than employees because their credit scoring rewards simple PAYG payslips and penalises complex tax returns — specialist lenders underwrite on the actual business, not the algorithm.]]></description>
      <content:encoded><![CDATA[Self-employed borrowers get declined by mainstream banks far more often than employees — but the reason isn't always the obvious one. Here's the underwriting gap, and how specialist lenders actually evaluate your file.]]></content:encoded>
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