Home Loans & Mortgage Refinance

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Home Loans & Mortgage Refinance

You may qualify for a bad credit home loan if you are not currently in bankruptcy or a part 9 agreement. You are able to apply for a home loan from the first day that you are discharged.

To qualify you need to have at a minimum 20% deposit, or 20% equity in the property you would like to refinance. Maximum loan possible is to 80% of the value of your home. Any FHOG you may be entitled to, can form a part of your 20%.

However if there are additional purchasing costs that may be incurred (such as stamp duty on purchase) these need to be covered by the applicant from own funds.

Having a parent who is prepared to be a guarantor on your loan does not remove the need for the 20% deposit.

Having a large salary does not alter the 20% deposit requirement.

As with any home loan, the applicants need to demonstrate sufficient income to service the loan repayments. Unfortunately we are not able to assist unemployed applicants, or persons on a pension.

While you may have some unpaid defaults or even an amount still outstanding under a part 9 agreement, to qualify, these must be fully consolidated into your mortgage and paid out on settlement of the loan. After the consolidation of other debts, you loan can not be higher than 80% of the value of your home.

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