Your lender insights are based on the last 6 months of information from your linked bank accounts.
We categorise this information with our industry-standard processes and show you insights with easy-to-action tips to help you improve. These insights can help you understand how a lender might view your bank information.
Here are the ‘insights' that can affect your How you look to lenders report, select each one to find out more:
- Open Banking (linking your bank account)
- Buy now, pay later transactions (BNPL)
- Transfers out - Savings - Going overdrawn (Negative balances)
- Account balance
- Payday loans and short-term debt
- More money in than out
- Money left at the end of the month
- Gambling
- Income
If your affordability score and insights don't seem right, it could be that you need to re-link your accounts or we haven't been able to get 6 months worth of bank information for your account(s).