Low credit score?
Apply for a home loan today!

  • Low Score? Borrow up to 95% of the property value.
  • Bad Credit? Borrow up to 90% of the property value.
  • Don’t risk getting declined, speak to a Home Loan Expert!

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

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What is a credit score?

A credit score is an automated assessment of how risky you are to a creditor. This means how risky your home loan application is to a potential lender.

Credit scores are usually calculated by computers using information from your loan application and credit file without any human input.

While most lenders in Australia use credit scoring, there are still some that do not. Even if you have a bad credit history or no credit history at all, we know which of these lenders would be most likely to approve your loan application.

Is this loan for me?

This type of home loan will work if:

  • You have a low credit score.
  • You have never borrowed before.
  • You need to borrow up to 95% of the property value.
  • You have a bad history with your current bank.
  • You have too many credit enquiries.
  • You have changed jobs or moved house recently.
  • The location of the property / type of property is unacceptable to your bank.
  • You have a problem with your VedaScore or credit file with Veda Advantage and need to borrow no more than 90% of the value of the property.

What if I have no credit score?

If you are new to Australia or a young adult who has never applied for credit then you will not have a credit file. When you first apply for a loan your credit file will be created. However, because you have no credit history, this will cause you to have a low score.

In some cases it is best to apply for a small credit card several years before you intend to apply for a home loan, so that you have a credit file and credit score with a significant history.

If this isn’t possible then there are lenders that do not require you to have a credit history and can consider your application on its merits.

We’ve lent more than $1 billion+ Australia-wide.

  • They walked us through the process step by step

    We would like to say thank you to Hank from Home Loan Experts for all his help in getting us a guarantor loan.

    We were really unsure if we would ever get an approval for a home loan, but Hank immediately knew the right lender to approach for our situation, and made the whole process simple…

    We would definitely recommend Home Loan Experts to anyone. Thanks again to Hank and the team from Home Loan Experts for making it possible for us to own our first home.

    Ianthe S & Jadobi l, Carina QLD

  • A very friendly, professional and helpful team

    The team was very friendly, professional, helpful and went out of their way to get the right loan that was suitable for us… I recommend this service for those who find it very hard to purchase a property going directly to a bank. Thank you Home Loan Experts, you have finally given my family and me the opportunity to own a beautiful home.

    Denise H, Epping VIC

  • A lot smoother and less stressful than having to deal with banks as an individual

    Our mortgage broker was very personable and made us feel like he went above and beyond to assist us in getting our home loan. He had a great knowledge of guarantor home loans which set our minds at ease. He was happy to answer any questions even outside business hours and responded in a professional and timely manner. As a second home buyer I would recommend going through the home loan experts as this process was a lot smoother and less stressful than having to deal with banks as an individual. I would especially recommend Hoa to others.

    Melissa H & Rhys B, Wynnum West QLD

  • Exceeded my expectations in terms of results

    Throughout the process I felt confident in knowing I could rely on you and at no stage did I ever feel that trust could be an issue with you. You have exceeded my expectations in terms of results and have done this with very short notice. You are an asset to your company and a role model to your profession… I already have and will continue to recommend your services to friends and family.

    Thomas M & Tanya W, Botany NSW

  • So easy to speak to no matter how stressful the situation

    We are both so grateful to Amine for all of his hard work and great advice over the past year! It’s been such a long journey… We are starting to settle into our new home in Trentham now. It is just so beautiful and relaxing! We really love it and are so happy with our purchase. Amine was right all along – things happen for a reason! Thank you Amine for always being there for us.

    Tanya & Andrew B, West Melbourne VIC

  • He even made a guarantor loan from our parents seem effortless!

    After the roller coaster ride of going cap in hand to the bank manager, only to be turned away… we found Tony. What a refreshing change! Within a 2 week time frame, we had approval and were able to follow the normal approval process to get the loan…. With Tony’s inside knowledge on how lenders think he was able to approach the bank with an excellent case and really put us in a great position in the lender’s eyes…. We recommend Tony and Home Loan Experts strongly and will be using them for our next purchase…

    Julie W & Luisa C, Waikiki WA

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