History of bad debts

  • Loans are available for you
  • Lenders understand
  • Get the right advice and plan
  • Don't suffer penalties anymore
  • Time to get what you want

The first thing you should know is that you aren't alone! People with a history of bad debts, defaults or arrears are getting loans right now. There are lenders that understand this scenario and can help.

Due to the current state of the finance market, lenders are exercising much more caution than ever before in approving such loans, so whatever you do, contact us first to discuss the right strategy for you depending on your personal credit circumstances.

There are good solutions for you and you don't have to suffer exorbitant interest rates or penalties any more.

It's time! Contact us now to get started

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Depends on the size of your deposit, the value of the property, and your servicing capacity (based on your income and how much you are able to repay).


Most mortgage lenders will require a deposit of 20% or more of the property price. Less may be required however will require mortgage guarantee insurance in most cases


Depends on the type of loan, intrerestr rate, payment term, and whether you pay monthly or fortnighly. Use us mortgage calculators to guide you.


Every state is different and may depend on the value, whether you are building or buying an established home. Read more in our FHOG article


It is a rate that includes both the interest rate and the fees and charges relating to a loan, combined into a single percentage figure that lets you compare loans from differengt lenders on a fair comparison.


This 'in principle approval' is usually valid for 3 months. Gives you the confidence on how much you can borrow before your purchase a property.


The cost of Stamp Duty varies between States and Territories. Subject to your personal loan circumstances, the cost of stamp duty can be included in the loan amount you borrow.

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The mark of our time is its revulsion against imposed patterns

Marshall McLuhan