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Our award-winning mortgage brokers will find you the right home loan for your situation.
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
Enquire online
or call us
Step 2
We assess
your situation.
Step 3
We find you the
most suitable loan.
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Testimonials for Home loan Experts
“ …From the beginning the service, care and attention to my needs was outstanding. And that continued with every contact, in fact I’d say it got better, which is counter to what happens almost everywhere else….”
Glen Campbell“ …He was able to quickly and with minimal fuss, find us a loan at a good rate when others told us it would be too hard. Very impressed with their service and would highly recommend the home loan experts in the future”
Kim Thoa Bui“ …offered fast service and made the whole refinance process simple. And I love simple!
Thank you for getting me a great deal with a home loan that really suited my needs….”
Tracey A