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Bad Credit Home Loans

  • Too much debt
  • Poor credit history
  • Previous Bankruptcy or Part IX
Break the cycle and let us help you consolidate your debts, reduce your repayments and improve your financial position.

We specialise in finding home loan solutions for people who have been previously declined by other lenders.

Positive Solutions Finance Home Loan Features

A Home Loan like no other, Positive Solutions Finance draws on it’s unique range of lending products to offer the perfect loan, tailored to you.

Flexible Lending Criteria

Unlike the big banks, we take a step back and look at the big picture. Because of this, we are able to say yes when others have said no!

Tailored To You

Our lending solutions are so much more than loans. They are tailored solutions designed to help you pay off your debt.

Stress Free Loans

Organising your finances can be stressful. Not with Positive Solutions Finance! We help you all the way, from the application to settlement.

Why use Positive Solutions Finance?

Because we have a range of lending solutions to help all Australians, even those who have been told no by the big banks. Positive Solutions Finance is a specialist lender and it is our mission to help people who don’t fit the regular lending mould.

Often, everyday Aussies have their loan application declined simply because they are self employed, have an irregular income from a steady job, or are struggling to refinance because they have too much debt, from the very same bank who is rejecting their application.

We also know that sometimes people make mistakes. If you have one or two defaults on your credit file, it shouldn’t exclude you from being able to borrow more money.

We won’t stand for it! At Positive Solutions Finance, we take a look at the big picture when considering a loan. We can combine creditor negotiations, debt settlement and budgeting advice to help improve your financial standing. Now you are better positioned to repay your loan and your financial struggles will be a thing of the past!

We can even help if you have a bad credit history or have recently been discharged from a Part 9 Debt Agreement or period of Bankruptcy.

How does it work?

Our secret is in our process. As a specialty lender, we see things differently.

Our credit policy is different from what the big banks use. We look at your overall position to assess your eligibility. If you are capable of making repayments, we will consider you for a loan, even if you are self employed or have an irregular income.

Once we have learnt a little about you and your financial situation, we are able to customise a lending solution just for you! This might just be a matter of approaching our huge panel of lenders to compare the best loan available to you. As a broker, we are able to make enquiries on your behalf without impacting your credit file.

However if you do have bad credit or are struggling with other debts, we might need to combine our lending services with creditor negotiations, a debt settlement and budgeting advice to improve your financial standing before offering you a loan. This will not only get you a better offer home loan, but will put you in a better position to make your repayments and help you manage your money over the long term.

We are with you every step of the way! We will assess your situation, guide you through the process, help you fill in the application, and celebrate with you at settlement. Finding finance can be hard, but we are here to make it easy.

Our Process

We combine consolidation and debt negotiation with specialised lending products to help you improve your finances and get on with life!

Assessment and Application

We will assess your financial situation, make a recommendation on consolidating your debts and prepare your loan application.

Processing and Negotiation

We will process your loan for conditional approval and negotiate with your creditors to reduce the debt you owe, improving your borrowing capacity.

Approval and Settlement

Once our negotiations are complete and your loan is finalised, we will settle all your debts and you will be stress-free to get on with your life.

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