A past credit issue doesn't have to stop you
Specialist lenders look at why something went wrong and how you're going now. We find the right one, then help you refinance to a mainstream rate once your history improves.
Is this you?
- Paid or unpaid defaults
- Past missed payments or arrears
- Discharged bankruptcy or Part IX
- ATO debts on a payment plan
What you should know
Home Loan Repayment Calculator
Work out monthly, fortnightly or weekly repayments for principal and interest or interest-only loans, and see your balance fall over time.
Open calculatorFigures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.
Our process
Review your credit file
We go through all three bureaus with you.
Explain the story
Lenders want context and evidence.
Specialist approval
With a lender suited to your situation.
Refinance down
Once your record is clean, we move you to a lower rate.
Frequently asked
Will a paid default still show?
Yes, for five years, but it looks much better to lenders than an unpaid one.
Are rates much higher?
They can be, depending on the issue and LVR. The aim is to refinance later.
Should I use a credit repair company?
You can fix genuine errors yourself for free. Be wary of large fees.
Related articles
Self-Employed Home Loans: What Lenders Want to See
Self-employed and want a home loan? Here's how lenders assess business income, the documents needed, add-backs, low doc options and how to prepare.
Home Loans for Temporary Visa Holders: The 2026 Foreign Buyer Ban
Temporary visa holders can't buy established homes until at least 31 March 2027. Here's what you can still buy, FIRB rules, lender policies and extra costs.
Home Loans for New Permanent Residents and Recent Migrants
Just got PR or recently moved to Australia? How lenders treat permanent residents, overseas income and credit history, plus the schemes you can use.
Ready to see your options?
Two minutes online, then a real broker calls you. No credit check, no obligation.