Past credit issues shouldn't define your future. We work with specialist lenders who look at your whole story, not just your credit file.
Specialist lenders assess each case individually, looking at your current situation rather than past mistakes.
Paid or unpaid defaults from credit cards, personal loans, or utilities can be worked around.
Discharged bankrupts can access home loans, typically 2-3 years post-discharge.
Completed debt agreements with clean conduct since can access specialist lenders.
With 12+ years banking and accounting experience, we know how to present your application in the best light.
We obtain and review your credit file to understand exactly what lenders will see. Sometimes there are errors that can be corrected before applying.
Every credit issue has a story. We help you explain the circumstances - divorce, illness, business failure, COVID - in a way lenders understand.
Different lenders have different policies. We match you with lenders whose criteria align with your specific situation.
We present your application highlighting your strengths - stable income, equity, clean recent conduct - to maximise approval chances.
A structured approach to rebuilding your borrowing capacity
Start with a specialist lender who accepts your current credit profile. Rates are higher but you're on the ladder.
Maintain perfect payment history for 12-24 months. This demonstrates you've turned the corner.
With clean conduct established, refinance to a mainstream lender with better rates and terms.
While every lender differs, these are common requirements for credit impaired lending.
Most lenders require 25-30% deposit (70-75% LVR)
Demonstrated ability to service the loan
No new defaults in recent 6-12 months
Clear story of what happened and why it won't recur
Book a confidential consultation to discuss your situation and explore your options.
