At Australian Capital Lending, we believe those with bad credit ratings don’t deserve to be shut out of the home loan market. If your credit history is hindering your ability to buy a home, contact our highly qualified team of professionals, who can work around your credit rating and present the best case to financial institutions. Sometimes, the hiccup the bank deems significant can be a series of unpaid bills, or bad credit history you accrued in your younger days. On other occasions, it can be more severe – such as overseeing a company in financial trouble, either as a director or an owner; backbreaking financial over commitment; or a raft of unpaid taxes.

Often, the financial hardship that brings about the bad credit history is brought about by an unfortunate life event, such as unexpected unemployment, working for a company that falls into liquidation, inheriting a debt from a family member, or the loss of wealth through a divorce.

On the back of such hardships, we believe it unfair that you should also be denied your dream of home ownership, and will do everything we can for our clients to achieve that goal. We have worked with many that have struggled with a bad credit history in the past, and can certainly do the same for you.

As traditional banks are less likely to lend to people carrying bad credit ratings, it is likely that you will have to negotiate with a non-traditional financial institution or specialist lender. Due to our breadth of experience in this space, at Australian Capital Lending we can identify the best lender to negotiate with and aim to secure the most advantageous home loan for you.