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Bad credit unpaid default car loan or mortgage home loans with paid defaults do not bother NSW Sydney brokers. Commercial mortgages and equipment lease as well. Discharged bankrupt and customers with arrears or tax debts too.

As a home mortgage customer our lender may consider you for a bad credit 95% loans if you have only  a small paid default.

There are so many ways we may help you when you obtain bad credit loans through us, cheaper cost eventually will result savings to you.

A few lenders offer bad credit car loans in Sydney Melbourne Brisbane Canberra or in Perth. We can take you to them for best deals.

Even if you have many paid defaults our lenders may consider you for a home mortgage, car loans or commercial mortgages. Contact best bad credit mortgage brokers to find out your best options. You have to prove that now you are correcting your self to be a financially responsible person. Also your income stability will matter to obtain finance.

We have access to bad credit private lenders who may not fuss on your many unpaid defaults to provide a loan. Satisfactory income and 2 years responsible credit reports are the two key elements on these loans that are available to buy a car o home. You need to pay off all defaults before you obtain new mortgage or a vehicle loan. You should have substantial savings to do so.

Mortgage arrears is a nother reason why major banks will reject your application. We have non conforming bad credit lenders who will consider you for car loans or home mortgages, that is why you should contact us.

Our bad credit lenders will consider your tax defaults and will help you to overcome your problems. We serve Australia wide, Sydney NSW, Melbourne VIC, Canberra ACT, Adelaide SA, Brisbane QLD and in Perth WA.

Bad conduct is when you have not maintained your loan payments in an orderly manner. Our lenders may help you to restructure your position. Although these loans re expensive, it gives you an opportunity to prove your credit responsibility and to get better rates sooner.

Bankruptcy is a form of bad credit. Once you are discharged our lenders may consider you for a mortgage loan as well as for car loans.

A paid default customer may be treated as a poor credit unless records have been erased from Veda File. Same impact on mortgages and car loans too and you will pay high interest as a result.

Amounts involved and reasons behind a bankruptcy as well as your current financial stability matters for these mortgage loans, car loan or any other commercial finance matter.

Credit impaired home loan customers may have only one small default as a bad record. They may get better interest rates than others on their car finance, home mortgage or commercial loan.

  A bad credit loans customer with a paid default will be considered favourably for a mortgage home loan or auto vehicle loans than those who have unpaid defaults.  

We have lenders who may consider customers with many unpaid defaults for home mortgages. Case by case poor credit lender may approve you a mortgage within your affordability.

Since problems created by Global Financial Crisis there are many credit impaired people. Some with home loan arrears. Mortgages with bad conduct or mortgage loans with defaults, a refinance including a debt consolidation may be suitable for you if you think you can manage your finance in the future. Contact Us Today.

People with bad credit history are offered home mortgage commercial loans or car finance by non conforming lenders. These include following.

  •  Paid default to Telco under $999 - Bad Credit Home Loans @ 90% LVR

  •  Bad credit mortgages - LVR and interest rates to suit RISK level

  •  Poor credit home loans - unlimited defaults, last 2 years clear credit up

  •  Bad conduct REFINANCE to 80%, arrears and missed payments with or without defaults

Higher the LVR a poor credit lender may undertake higher RISK, therefore such home mortgage car loan or commercial finance will be at a higher interest rate. Extent of your bad credit will make them more expensive.

Home loan for people with poor credit history available through our  mortgage brokers.

A small paid default or two against a utility bill Telco or another amounting up to  $999 are considered less risky than a credit miss payments against a home loan or car loans. when you have defaults with finance providers then only non conforming lenders will consider you a loan. They may take higher risk and charge high interest than the standard variable rates offered by the banks. It is important to prove your recent credit responsibility to obtain such loans "car, home or for commercial" purpose.



Home loan or personal car finance arrears is a concern for mortgage lenders but they help you to overcome your financial difficulties. Once you are given a chance you should honour repayments. Mortgage refinance may help you to consolidate debts and reduce your interest burden. Your ability to repay poor credit mortgage loans is crucial to make a judgement .



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By giving access to many lenders and finding out cheapest mortgage option for your situation we focus on best home loans for credit impaired customers. We also have lenders those who offer bad credit car loans Australia wide. They are based on your merit, past history and affordability, you may apply to see whether we could help you.


Lenders may change product details from time to time, please see example of a few products as at 30 Dec 2011.

PRODUCT FEATURES Paid defaults 2 ( Utility Type Only)

Amount not to exceed $999.99

Paid defaults - Unlimited Unpaid Defaults - Unlimited



90% Maximum

$650000 - 90% Maximum

lower LVR up to 2M

$650000 - 90% Maximum

lower LVR up to 2M

Application Fee

Annual Fee / Monthly Fee

Depend on bad credit lender you may pay only $700 - $1000. Difficult loans from private lenders may charge 2.2% upfront

Normally around $15 per month

Interest rate Based on your risk rates change - normally add 2% above standard variable rate of major lenders
PURPOSE Purchase with no genuine savings considered Purchase / refinance Purchase / refinance
Commitment Fee 1.1% may apply - We have least cost products, select one of them
CONDITIONS Flexible cash out policy.

Mortgage arrears may be considered on a poor credit loan - higher rates may apply

Defaults older than 12 months full doc and older than 2 years low doc will qualify for better rates

Loans may have unbelievable lower interest rates, find out what they could be.

Else loans may consider very bad credit issues at higher rates.

No construction loans.

Loan Mortgage Insurance Normally it is part of application fee / interest rate

Some lenders may have RISK FEE separately, your broker will advise details

Valuation Less than $ 500 per standard property
Exit Fee May apply, government regulations are in place to abolish exit fee.

Some lenders do not charge but others may charge/disclose it upfront

Credit Impaired Yes



ATO debts & debt consolidation OK


ATO debts & debt consolidation OK

Customer Type Full Doc as above

Low Doc only 80% higher rates apply

Full Doc as above

Low Doc only 80% higher rates apply

Full Doc as above

Low Doc only 80% higher rates apply

First Home Buyer Yes Yes Yes
Maximum Acreage 5 5 5
LAND (see conditions) Considered Considered Considered