Past defaults
Paid or unpaid defaults on your file.
Good for: people rebuildingKnocked back before?
A bank said no. That's not the end of it.
Missed payments, defaults or a messy few years happen to plenty of good people. I work with specialist lenders who look at the full picture, and I'll give you an honest read.
What an honest chat looks like
- 1No judgementTell me what happened. I've heard it all and it stays between us.
- 2A straight answerIf I think I can get it done, I'll tell you. If I can't, I'll tell you that too, and what to fix first.
- 3No surprise credit checksI won't submit an application until you've said yes. Too many enquiries hurt your file, so we pick the right lender first.
Situations I can often help with
Every lender is different. These are common, not guarantees.
Late or missed payments
A rough patch showing on your repayment history.
Good for: people back on trackDeclined by a bank
Recently knocked back by a major bank.
Good for: anyone who's been told noSelf-employed with patchy income
Income that goes up and down through the year.
Good for: tradies and small businessPast part IX debt agreements
Discharged or current, depending on the lender.
Good for: people who've been through itThin credit history
Not much on your file yet.
Good for: younger borrowers, new arrivalsCredit trouble questions
Will the rate be higher?
Often, yes. Specialist lenders price for risk. I'll show you the numbers clearly so you can decide.
Can you fix my credit file?
No, and be wary of anyone who says they can. I can tell you what lenders are looking at and help you get loan-ready.
What if you can't get it approved?
I'll tell you straight, explain why and what would change the answer.
Ready for an honest chat?
Ten minutes on the phone, no credit check to talk.