Credit history issues
Home loans when your credit history isn't perfect
Defaults, late payments or a past hardship arrangement don't automatically rule you out. What matters is what happened, how long ago, and how you've managed since. We'll look at it honestly with you.
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Who this suits
- You have a paid or unpaid default
- You've had late payments
- You've been through a hardship arrangement
- You have an ATO debt
How it works
- Get your credit reportsYou can request free copies from the credit reporting bodies. We'll show you how.
- Tell us the storyWhat happened and what's changed since.
- Match the lenderSome lenders, including specialist lenders, consider past credit issues.
- Plan the way backIf a specialist loan is the right start, we plan to move you to a standard loan once your history improves.
Things worth knowing
Specialist loans cost more
Rates and fees are usually higher, so we look at standard lenders first.
Applying everywhere makes it worse
Each application leaves an enquiry on your file. Choose carefully before applying.
Errors happen
Check your reports. You can ask the credit reporting body to correct information that's wrong.
Documents you'll usually need
- Your credit reports
- A short explanation of what happened
- Evidence that defaults have been paid, if they have
- Your usual ID and income documents
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Calculators for this
Questions
Can I get a home loan with a default?
Sometimes. It depends on the amount, whether it's paid, how long ago it happened and your situation now.
How long does a default stay on my credit file?
Generally five years from when it was listed, even after it's paid.
Do specialist lenders always charge more?
Usually, yes. That's why the plan should include a path back to a standard loan.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.