A default, missed payment or past financial difficulty doesn’t necessarily mean a home loan is out of reach. We’ll take the time to understand what happened, explain your position clearly and help you explore suitable lending options.
No obligations
We listen to your circumstances
Understand where you stand
If you’ve had credit problems in the past, it doesn’t necessarily mean a home loan is out of reach. We’ll take the time to understand your circumstances, explain how your credit history may affect your options and help you work out a realistic way forward.
Your past doesn’t have to define your next step.
We listen to your situation, what’s happened and what you’re hoping to achieve.
We review your current financial position and the credit issues that may affect your application.
We look at suitable lenders and explain what may realistically be possible.
If there’s a suitable pathway, we help prepare your application and manage the lender requirements.
We keep you informed through approval and settlement, and remain available as your circumstances change.
Possibly. Having problems on your credit history doesn’t automatically mean you can’t get a home loan.
Your options will depend on what appears on your credit file, how recent the issues are, the amounts involved and your current financial circumstances. Different lenders also have different credit policies.
We can review your situation and help you understand what options may be available before you make an application.
A default can make getting a home loan more difficult, but it doesn’t necessarily mean the answer will be no.
Lenders may consider the type and amount of the default, when it occurred, whether it has been paid and how you’ve managed your finances since then.
We’ll help you understand how your circumstances may be viewed and whether there are suitable lending options to consider.
Potentially. Being declined by one lender doesn’t automatically mean every lender will reach the same decision.
Different lenders have different policies for assessing credit history, income, expenses and borrowing capacity. Before making another application, it’s important to understand why the previous application was declined.
We can review your circumstances and help you determine an appropriate next step.
Multiple credit applications within a short period can result in several enquiries appearing on your credit report, which may be considered by future lenders.
Rather than applying to several lenders just to see who might approve you, it’s generally better to first understand your position and identify suitable options.
We can help you do this before deciding whether to proceed with an application.
Different types of information can remain on your credit report for different periods. The impact on a home loan application can also depend on the type of issue, when it occurred and your circumstances since then.
If you’re unsure what’s recorded, obtaining a copy of your credit report can be a useful starting point before considering a home loan application.
Possibly. The deposit required will depend on your circumstances, the property and the lender considering your application.
Some lending options available to borrowers with credit issues may have different deposit requirements, interest rates, fees or conditions compared with standard home loans.
We’ll explain the available options and costs clearly before you decide whether to proceed.
Yes, a mortgage broker can help you understand how different lenders may assess your circumstances and identify lending options that may be suitable.
This can be particularly useful when your situation doesn’t fit standard lending criteria. We’ll first understand your circumstances and explain your options rather than simply submitting applications to multiple lenders.
Talk to us before making another loan application. We’ll listen to your situation and help you understand what options may be available.
Mon - Fri, 9:00am - 5:30pm AEST
Local mortgage advisers. Plain English. Better outcomes.
Director & Mortgage/ Credit Adviser
Director & Mortgage/ Credit Adviser
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