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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.

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.

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