Is this for you?
NSW builders often have errors on their file if:
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Your HBCF limit feels lower than your track record deserves
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You've been quoted higher rates than expected
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You've had finance declined or delayed without a clear reason
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You've changed lenders or refinanced in the last few years
Why "Clean Enough" Isn’t Good Enough for HBCF
For most builders in NSW, your project capacity is only as big as your HBCF insurance limit.
Even if you pay your bills on time, simple mistakes by banks or brokers on your commercial file can make you look like a high risk, hurting your eligibility for insurance and the best finance rates.
We do a forensic review of your file to find the specific reporting errors that can hold you back:
Duplication
We find where lenders have double-reported the same facility or failed to close out old ones, making you look in a worse position than you actually are.
Lender Mistakes
We look for entries where banks or brokers didn't follow the rules or reported information without the proper paperwork.
Mismatched Files
We make sure the data on your personal file and your company file actually match up so you aren't hit with automated "roadblock" declines.
Getting You The Best Deal
We don’t just "patch" files; we use our 30+ years of experience to challenge errors and make sure your report tells the true story of your business so you can get the best deal.
The Audit
We look at the context of every entry on your file to see if the impact on your business is actually fair.
Expert Advocacy
We use our knowledge of the rules to challenge errors at the source, making sure lenders are held to the right standards.
Credit Hygiene
We show you how to manage things like enquiry frequency and lender types so you stay "bank-ready" for the long haul.
Our Promise To You
Edit Credit (MCRH Pty Ltd) holds its own Australian Credit Licence (ACL 567810) and is a member of AFCA. We are transparent about how we work with commercial clients and won't make promises we can't keep.
Free Initial Assessment
We review your personal and company credit files first, at no cost, to find the specific errors that could be holding you back.
You'll know exactly what we've found before any next steps are discussed.
Performance Guarantee
We're upfront about what we can and can't achieve before we start.
You'll have complete clarity on the expected outcome and our process — no surprises.
Find out what's holding your business back.
Free, no obligation.
Not a builder, or based outside NSW? Our commercial credit review service covers directors and businesses of all kinds across Australia. See all commercial services →