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Our award-winning mortgage brokers will find you the right home loan for your situation.

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ABA office of the year 2019
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AMA brokerage of the year
ABA Customer service award 2016
BBA Customer service award 2016

What is bad credit?

Bad credit can take many different shapes including:

  • Mortgage in arrears: You have missed payments on your mortgage.
  • Adverse credit file: You have defaults, bankruptcy, judgments, court writs or too many credit enquiries listed on your credit file.
  • Lender credit history: You have a bad history with the lender you’re applying with.
  • Unpaid bills and tax: You have outstanding bills such as council rates or late tax bills.
  • Company in financial trouble: If you are the director of a company that is in financial trouble, receivership, or liquidation.
  • Over committed: You have a high level of debt compared to your income and total assets

How much can I borrow?

Our lenders take a commonsense approach when it comes to bad credit, discharged bankruptcy and paid Part IX debt agreements. Applications are assessed on a case by case basis and are approved based on its merits.

You’ll need need to speak to one of our credit experts to determine how much you can borrow. Typically our clients are able to borrow up to 95% of the property price depending on the situation.

We can help you if:

  • You’ve had defaults recorded on your credit file but you’ve managed to pay them off.
  • You’ve had unpaid defaults.
  • You’ve had a judgment or court writ.
  • You’ve finished paying off your Part IX debt agreement.
  • You are a discharged bankrupt.

Consolidate minor debts including credit cards and personal loans!

There are a few select lenders that allow you to roll all of your debts, including your new mortgage, into one low monthly repayment. If you have missed repayments on the debts you’re looking to refinance, a specialist lender may consider your situation.

How we find you the right solution

We get a complete understanding of where you’re at and what your ultimate goals are.
You’ll get a recommendation in just 3 easy steps.

Step 1

Step 1 - Enquire

Enquire online
or call us

Step 2

Step 2 - Assess Situation

We assess
your situation.

Step 3

Step 3 - Find suitable loan

We find you the
most suitable loan.

We are experts at finding the right home loan solution
for our customers. Let us help you.

Testimonials for Home loan Experts

Testimonials