If you have a default, bankruptcy, or judgement recorded on your credit file then you will have a problem borrowing through major lenders.

In fact unless it is a very minor default that you have a good and verifiable explanation for, then I doubt that most banks or major lenders will be able to lend because of your risk profile.

It is not difficult to find yourself with an adverse or bad credit record. Often quite minor incidents can lead to a bad credit rating, which in turn can cause severe financial hardship, damage to marriages, families, and other relationships.

However don’t despair, you can access finance through this site or one of our other sites RESCUE ME HOME LOANS where they specialise with a number of reputable lenders who will assist you despite your credit problems. They deal with all of these lenders as well as a few majors who with a little work will still accept minor credit problems.

As a rule these alternative or non-conforming lenders charge a higher rate of interest for what is regarded as a higher risk loan. These days they often structure the loan with a step-down feature, so that if you make all of your repayments on time over a few years, they reward you by reducing the interest rate. With this feature you end up with a loan that is on a fairly good rate provided the loan is well conducted.

GOOD NEWS – even if you’ve recently come out of bankruptcy but have a reasonable deposit, we may still be able to arrange a home loans that will get you started again. In a few years we can refinance your loan at the best market rates available and you are then back on track with your finances.

DON’T GET BOGGED DOWN – we are here to get you started again. If you have a deposit and a good income, or if you already own a house, the chances are we can help you get your life (and your marriage) back on track.

Kickstart Your Life again now – Apply Online Here.

(Note that it is sometimes beneficial to obtain a copy of your credit record so that we know exactly what we have to overcome. This can be done at www.mycreditfile.com.au for a modest fee or we can do it for you at no cost to you)

RESCUE ME HOME LOANS