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Bad Credit Home Loans

  • Too much debt?
  • Poor credit history?
  • Previous Bankruptcy or Part IX?
We can help you consolidate your debts, reduce your repayments and improve your financial position for quick home loan approval.

We specialise in providing easy home loans for people who have been previously declined by other lenders.

Bad Credit Home Loans Features

With a unique range of lending products, we can offer the perfect home loan deal tailored to you.

Flexible Lending Criteria

We won’t judge you like the big banks might. We take a look at the bigger picture so we can say yes to quick home loan approval, even when others have said no.

Tailored to You

Our lending products are more than just loans. They are tailored solutions designed specially to help you pay off your debt.

Stress-Free Loans

We get that organising finances can be stressful. But not with us. We are there to help the whole way, from the home loan application to settlement.

Positive Solutions Finance
Provides Easy Home Loans to All Australians

Positive Solutions Finance is a specialist lender helping people with poor credit obtain a home loan. We have a range of lending solutions to help all Australians – even those who’ve been told no by the big banks.

Aussies can have their home loan applications denied for many reasons:

  • They’re self-employed
  • They have irregular income
  • They’re struggling to refinance due to having too much debt.

We understand people also make mistakes. Hey, it’s only human. One or two defaults on a credit file shouldn’t exclude you from quick home loan approval.

Our Way

At Positive Solutions Finance, we won’t dismiss or judge you. We look at the big picture when considering a home loan deal for someone.

We can help you even if you have:

  • A bad credit history
  • Been recently discharged from a Part IX Debt Agreement
  • Gone through a period of bankruptcy.

By combining creditor negotiations, debt settlement and budgeting advice, we can help you improve your financial standing. You’ll be better positioned to repay your home loan and financial struggles will be a thing of the past.

How does it work?

As a speciality lender, we see things differently. It’s our process that sets us apart from the rest.

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

Once we know more about you and your financial situation, we customise a lending solution just for you. This can be as simple as approaching our panel of lenders to select the best home loan available. As a broker, we’re able to make enquiries on your behalf without impacting your credit file.

I have bad credit and need a home loan. Am I eligible?

We won’t turn you away even if you have bad credit or are struggling with other debts. But 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 home loan deal.

Not only will this give you a better home loan, but it puts you in a better position to make your repayments and manage your money over the long term. Too easy, right?

Never fear, we are with you every step of the way. We’ll assess (not judge) your situation, guide you through the process, help with your application, and celebrate with you at settlement. Finding a home loan when you’re stuck with bad credit is hard, but we’re here to make it easy.

Find out more about bad credit home loans here.

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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