FAQ
Please see some of the most frequently asked questions we get asked. If you cannot find what you are looking for or have more questions, please feel free to contact us.
All banks have certain lending criteria so when you don’t fit the criteria of a major bank, it can be hard to know where to go from there. This is where our hard-to-get home loan specialists come in. Just because your situation may not fit their policies does not mean you can’t get into your dream home! We are here to look at your situation and find a lender which fits you. This can include bad credit, self-employed, low-doc (low documentation) or unusual/irregular income.
I have serval unpaid default on my credit file, can you still help me?
Yes, we have a number of non bank lenders that look behind credit history. If you have unpaid defaults we can still help you obtain a home loan.
I have a low credit score, can I still get a loan
Yes, having a low credit score does not mean you can not get a home loan. We have access to over 30 lenders and a few will not credit score at all. So if you have a low or no credit score at all give us a call and let us help you.
Can you help me if I’m self employed and do not have my current taxes done yet?
Yes, we have a number of lenders what can still help even if you have not done your taxes. They are called Lo-Doc home loans. We will still need some type of proof of income (Accountants letter, BAS statements or business banking statements) However we do not need your full tax returns and financial to be up to date.
How much of a deposit do I need?
With access to over 30 lenders, we can help with as little as 5% deposit (of the purchase price) plus government fees and charges. We also have lenders that can lend 107% of the property value (Family guarantor loan) A direct family member normal mum and dad or sibling who own a property can use their equity in their property as security for you.