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Our award-winning mortgage brokers will find you the right home loan for your situation.
How much can I borrow?
There are specialist lenders who will assess your application based on its merits and allow you to borrow up to 90% of the property value.
You will need to be discharged bankrupt and have at least 10% of the purchase price as a deposit plus the costs of covering stamp duty and Lenders Mortgage Insurance (LMI). These costs vary from state to state.
Other conditions may apply.
What is discharged bankrupt?
The term ‘discharged’ is purely an automatic process of the law which releases the bankrupt from bankruptcy.
One you are discharged, you are no longer bankrupt and no longer required to have limited assets and no overseas travel.
It also means that you’re able to apply for credit again.
When can I refinance my home loan?
- You owe 80% or less of your property’s value (up to 90% can possibly be considered).
- You’ve made all of your mortgage repayments on time for the last 6-12 months.
- You can provide full income evidence (low doc loans at 80% of the property value may be available on a case by case basis).
Consolidate minor debts including credit cards and personal loans!
If you’re discharged bankrupt (or have just completed your Part 9 agreement) and want to refinance your existing loan to consolidate some debts, there are a few select lenders that allow you to roll all of your debts, including your new mortgage, into one low repayment each month.
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.
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We find you the
most suitable loan.
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