We have a diverse range of Credit Providers who are ready to assist. Life presents us with a range of challenges and therefore we have a number of specialist lenders who understand that its not always a walk in the park and therefore have created specialised products to cater for the odd curve ball which may result in a Bad Credit situation. With a specialist lender, they are there to provide a solution in a testing time. As your broker, we would then wait and remain with this specialist lender until such time that we see an overall improvement, to then revisit a more traditional lender if this was the desired objective. 

There are a multitude of Credit Impaired statuses which constitute to a Bad Credit Score:

• Default – this could be a home loan default, credit card default, personal loan default, commercial loan default
• Judgment – this could be related to a business transaction gone wrong and ended up in a court matter where it was ruled against you
• Bankruptcy – Part IX, Part X or Discharged Bankrupt

Our Bad Credit Score lending specialists offer the general standard features of a home loan we would find with a traditional lender such as Redraw or Offset, however, where a traditional lender may have say 4 interest rates we could potentially choose from, such as a variable home loan, principal and interest home loan, interest only home loan OR a fixed rate home loan, a Credit Impaired Specialist would have approximately 30 different reference rates we could consider based on the event that caused the Impaired Credit Score.

We have helped many Australians secure their new home or refinance their existing mortgage when other lenders have said “no”. Talk to us today, with over 25 years industry experience, you need someone who can think outside the box and have access to the right lender in a cost effective manner.

The Bad Credit Score Home Loan Features:

• Full Doc or Low Doc Options
• All Paid or Unpaid Defaults or Judgments
• Individuals, Trust and Company Borrowings
• Refinance up to 90%
• Purchase up to 95%
• No Credit Scoring
• Discharged Bankrupt
• Redraw Access
• 100% Offset Features
• Flexible Cashout Options