Past credit bumps don't have to be the end of the road.
Defaults, a discharged bankruptcy or too many small debts. Life happens. There are lenders who look at where you are now, not just where you have been.
Sound familiar?
A default is still holding you back
One bad patch years ago keeps showing up every time you apply.
You've come out the other side
A bankruptcy is behind you, discharged and done. But doors still feel closed.
Cards and personal loans have piled up
Five repayments a month, all at different rates, all fighting each other.
Life happens. A rough patch does not define you, and it does not have to define your lending.
Where you're going matters more than where you've been.
There are lenders who see it that way too.
The paths worth exploring.
Every situation is different, so we look at yours first. These are the kinds of options we often find. All subject to a full assessment.
Specialist lenders who consider past defaults
Some lenders look at the story behind a default, and at everything you have done since.
Options after a discharged bankruptcy
Being discharged opens more doors than most people are told. We know where they are.
Consolidating debts into one repayment
Where it is responsible to do so, several debts can become one manageable repayment with a plan to pay it down.
A plan to rebuild over time
The first loan after a rough patch is a stepping stone. We plan the path back to mainstream lending.
Told to wait. Found a way.
After a bankruptcy and a couple of defaults, Tanya had been told to just wait it out. We found a specialist lender willing to look at her situation as it stands today, not just what is on the file, and refinanced her home loan.
Details shared with the client’s permission; names and locations changed. Your situation will be different.
Discharged bankruptcy and defaults, told to wait years.
A specialist lender who assessed the situation today.
Refinanced, rebuilding, moving forward.
From five repayments to one.
Mark, from Brisbane, was juggling credit cards and personal loans every month. We responsibly consolidated them into one repayment, with a plan to pay it down.
Details shared with the client’s permission; names and locations changed. Your situation will be different.
Cards and personal loans pulling in every direction.
Responsible consolidation into one repayment.
One payment, one plan, breathing room back.
Let's find your way.
Tell us what’s going on. No judgement, no credit check to chat.