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Positive Solutions Finance is a Specialty Lender and we look at things a little differently. Our lenders’ Credit Policies can be more lenient than the ‘standard lending criteria’ used by major lenders. We look beyond your credit score and take into account your entire financial situation. We can also use a number of services, such as creditor negotiation to improve your financial standing.

It is this unique outlook that allows us to offer loans to people who would otherwise be declined. This includes people who are self-employed with no financial records, employed on a part-time or casual basis, have defaults or a poor credit history, are behind on their payments or customers who have had a caveat placed over their home.

We pride ourselves on being able to say yes where other lenders would say no.

Worried about eligibility? You don’t need to be. We can help people who fall outside the ‘standard’ lending criteria used by most major lenders. We can help you if you:

  • Have too much unsecured debt
  • Are self employed with no financials
  • Work part time or casual
  • Have defaults on unsecured debts
  • Have an unpaid tax debt
  • Have a poor credit history
  • Have a caveat over your house
  • Have a history of late payments
  • Have previously been Bankruptcy or in a Part IX Debt Agreement
  • Have previously been denied a loan


Positive Solutions Finance combines a range of financial services which allows us to offer lending products that other lenders can’t. If you have been knocked back by a major lender, credit union or other financial institution, we could still assist you.

We will negotiate with your creditors to reduce your unsecured debts in order to get you over the line for a mortgage refinance. We can then consolidate your debts into your new mortgage or use the equity to pay out your debts in one lump sum.

Positive Solutions Finance has a team of debt negotiators who will approach your unsecured creditors in an attempt to reduce your unsecured debt amount to a level where you are able to refinance.

We can help with loans from $100,000 to over $1 million

We look at your overall financial position. If there is something standing in the way of a successful loan application, we take the time to help you fix it. For instance – if you have too much unsecured debt, we will negotiate with your creditors to reduce the amount of debt you owe.

Yes. For us to consolidate your debts into a new home loan it is imperative that we use your house as security for the loan. Positive Solutions Finance specialises in arranging new home loans for people struggling with their debts. Our loans are designed to help you destroy your debt and live with a manageable repayment. We can negotiate with your creditors to reduce your unsecured debts in order to get you over the line for a new home loan but we must use your house as security. Our aim is to help you consolidate your debts, reduce your repayments and get back on track financially and the best way to do this is through a new home loan.

We’ll take a look at your overall financial standing including your income, unsecured debt amount, credit history and your current mortgage. We will then consolidate your debts into a new home loan and use debt negotiation to reduce any unsecured debts you may have. These Debts are then included in your new loan and paid out at settlement. This then leaves you with one, easy-to-manage loan with more affordable repayments.

Debt Relief

Yes, Positive Solutions Finance can help you consolidate your debts and reduce your repayments through a new home loan. This will then allow you to pay off your debts with a lump sum settlement. Speak to one of our Lending Managers to discuss all our debt relief options.

Our experienced team of debt negotiators will strive to reduce your debt level to the lowest possible amount your creditors will accept. This is the amount that will be paid to them when your new home loan settles. Typically, we can acheive a reduction in debt of between 10%- 30%, depending on your circumstances.

We will negotiate with each of your creditors and come to an arrangement where each creditor is happy to receive a reduced lump sum in satisfaction of your debts.

If your debts are to be paid as part of a mortgage refinance, each of your creditors will be paid upon settlement of your loan, freeing you from these debts.

If you have received an inheritence or have access to other funds, you can deposit those into our Trust Account and we will distribute the funds to your creditors according to the agreement.

If we can’t help right now with a new home loan, we can still assist by arranging an informal payment arrangement. An informal payment arrangement is a legally binding agreement with your creditors outlining a new affordable debt repayment amount. This is a great option to help reduce your repayments whilst considering other options that may become available in the future.

An informal arrangement is a private negotiation between you and your creditors arranged through our experienced debt negotiation team. This means we are able to come to an agreement with your creditors outlining a new repayment arrangement when it’s not possible to refinance.

Informal arrangements are not noted on your credit file however if you were struggling with repayments and have fallen quite far behind before the informal arrangement took place, your creditors may have already marked a default against your name. Talk to one of our specialists today to see how we can help.

Just about any kind of unsecured debt can be included in an informal agreement. Some common examples of debts that are often included are debts from credit cards, personal loans and tax debts.

An informal arrangement is still a legally binding agreement so your creditors must honour the new repayment terms. And likewise, you must ensure you make your new repayments on time and in full. If you miss your repayments, you are in breach of the contract and your creditors would be within their rights to reinstate your original debts.

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