Non Conforming Mortgages are professional mortgage brokers who specialise in bad credit home loans.

What is a bad credit?

Bad credit is a term applied to the situation when a person has borrowed money and has not repaid it by the due date. A client may have a history of late repayments, loan defaults, judgments, tax debts, bank repossessions or possibly even bankruptcy.

‘Bad credit’ is not a term we like to use, as it implies the client has made a mistake. In the majority of cases, the clients are in the situation because of circumstances beyond their control including:

•a divorce settlement;

•an illness preventing the client from working;

•a loss of income due to retrenchment or time off work;

•an accident leaving the client unable to pay the loan; or

•a sudden change of circumstances.

We know that our clients are not a ‘bad’ credit risk' and if they have the capacity to repay, they deserve the opportunity to refinance their home loan and start again or keep the family home.

Can I get a home loan with bad credit?

You can get a home loan with a bad credit history. We are specialists and can help you find the most suitable home loan for your needs from lenders who think ‘outside the square’. Many of our clients have already been declined by other brokers or lenders before they contact us.

Is a bad credit home loan the right loan for me?

The right bad credit mortgage will enable you to clean up your credit rating, gain control over your finances, organise a new repayment structure and make a fresh start. Please note that if you are a first home buyer, a minimum 15% deposit is required.

How do I apply for a Bad Credit Home Loan?

Simply contact us by phoning 1300 739 088 or by filling out our contact form.

We will provide a consultation, quotation, free credit report and offer a solution for your home loan that is customised to suit your individual requirements.

We are here to answer any and all of your questions and we look forward to being of assistance to you.

           

We are full members of the Mortgage & Finance Association of Australia (MFAA)
and COSL and an Accredited Member of the Finance Brokers Association of Australia Ltd (FBAA)
and operate under their codes of practice.

Bad Credit Home Loan Specialist

If you have defaults or mortgage arrears and you need a bad credit home loan specialist - we can help!
We are available to talk to you, please contact us. - bad credit home loan