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Firstly, building up a 10% deposit would show the bank that

There are ways to show the bank that you are a good credit risk, beyond your credit score. Firstly, building up a 10% deposit would show the bank that you have the disposable income available to service the home loan. If you set up a stop order to put money into a savings account each month to build up that deposit, that would reflect positively and show you can commit to monthly payments.

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