Yes, overall the same procedure is followed, whether you opt to choose a big bank or a small, independent lender. Bigger lenders may use automation at the early stages of their home loan approval process, although smaller lenders truly value your custom. However, all lenders will want to minimise risk as much as possible. If you possess a low credit score and history, we could still find you a home loan deal, although higher rates and a larger deposit may be required.