I’m still trying to pick up the pieces

We can accept past bankruptcy, as well as credit card, personal loan and mortgage defaults

You can consolidate your debt into your home loan for one easy payment, including ATO debt and business loans

When you’re back on your feet, you can apply to switch to a loan with a lower rate

We’re flexible with the types of income we accept, including Jobkeeper and Government assistance payments*

Borrow up to $3m*
Borrow up to 90% of the value of your property*
No Lender Mortgage Insurance (LMI), which could save you thousands
Use your home’s equity to get unlimited cash out of your loan (evidence of purpose required over $200k or 50% of valuation)
Unlimited debt consolidation available, including ATO debt, business loans and loans from private lenders
Self-employed eligibility from 1 year ABN, 1 day GST
Simple self-employed income verification with a customer declaration and either 6 months business bank statements OR 6 months BAS OR Accountants Letter
One day discharge bankrupt accepted
Keep your loan with us and you can apply to switch to a product with a lower interest rate, subject to review

*Subject to location, LVR and product selected

Subject to credit assessment and lending criteria.
Terms and conditions apply. Risk fees may apply.

Different loans for different journeys

Specialised home loan solutions to suit your needs

7.44%Variable rate

7.70%Comparison rate**

Subject to credit assessment and lending criteria.

Terms and conditions apply. Risk fees may apply.

Tell us a little bit about what you’re looking for and we’ll help find a homeloan solution your needs.

We’ll also provide you with a Blue Number so you can keep your loan search information

We’re here to help. Simply leave your details and query and we’ll get back to you within business hours.