16+ years in business
$5 billion+ loans settled
Fast & confidential loan process
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?
Typically our clients are able to borrow up to 95% of the property price depending on the situation. Our lenders take a common sense approach when it comes to bad credit, discharged bankruptcy and paid Part IX debt agreements.
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.
We love winning awards
Don’t believe us, hear from our customers
Having being previously rejected due to bad credit/defaults, the team helped us buy our first home. The communication was fantastic and they guided us throughout the whole process. We are so grateful and will be recommending all our family and friends – our brokers for life!
This is the 2nd time I’ve worked with HLE to find a mortgage and they have again outdone themselves. From the first contact to their ongoing review of my loan to refinancing they have presented me with excellent options and have ensured I am informed every step of the way. Really great team of people and I could not recommend them highly enough.
The team has been proactive, easy to reach and absolutely fantastic from pre approval all the way to post settlement. Very prompt, amazing accountability and interpersonal skills from the team. Cannot thank you all enough for the amazing experience and support!
4.8 out of 1600+ reviews
4.6 out of 420+ reviews
4.7 out of 720+ reviews