Hello Bobby B. Welcome to the forums.
Major banks and lenders will likely decline your application for a bad credit home loan
simply because of your credit file
history. However, there are non-conforming or specialist lenders that are more flexible with their lending policies.
Our mortgage brokers will actually sit down with you, ask you the reasons for the financial problems, and talk about how you managed to get your financial situation back on track.
By gathering good evidence and explanations for your adverse credit history, the broker can stop you from getting unnecessarily declined and adding another credit enquiry to your credit file.
Our mortgage brokers have worked in the credit departments of some of the biggest lenders in Australia, so they know what lenders are looking for in a home loan application. We also have a panel of 40 lenders
to choose from.
Give us a call on 1300 889 743
to speak directly with one of our specialist mortgage brokers or fill in our online enquiry form.