• Can't get
    a home loan?

    Call Us

    If you’ve been turned down by the big banks, don’t give up hope.

    Since 2003, we’ve helped thousands of couples and singles out of a tight spot when the banks wouldn’t. Chances are we can do the same for you.

    1300 364 751
  • banks won’t let
    you refinance?

    Call Us

    If you’ve been turned down by the big banks, don’t give up hope.

    Since 2003, we’ve helped thousands of couples and singles out of a tight spot when the banks wouldn’t. Chances are we can do the same for you.

    1300 364 751
  • Consolidate your
    debts & slash interest

    Call Us

    If you’ve been turned down by the big banks, don’t give up hope.

    Since 2003, we’ve helped thousands of couples and singles out of a tight spot when the banks wouldn’t. Chances are we can do the same for you.

    1300 364 751

Bad Credit Home Loan

Don't miss out on your dream home just because of bad credit. There are still plenty of options available.

Learn more

Bad Credit Refinance

Refinance your current mortgage, even if the big banks won't help you directly. There's almost always a way.

Learn more

Find out today if we can help

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Thousands of very happy customers

Tracy Norman, Mount Gambier SA
After being in business for 20 years, I fell upon hard times and tried to work as long as I could to make it through each day. Too embarrassed to make a call I was not helping my situation at all and was slipping further and further into debt. Finally I found the courage to call Freedom Loans and was surprised at how easy everyone was to talk too. Within only a few hours the process had begun and I had never felt more at ease. I was kept informed with every step and made to feel like a person in need of help and not someone belittled by my situation. I have never come across a harder working team because we as applicants have no idea the work that happens behind the scenes to move forward quickly with our applications. Any questions I had were answered and explained truthfully and I was overwhelmed with how professional the team at Freedom Loans are. Thankyou so much I can now look forward to a bright, happy and healthy future without the worry of what is to come tomorrow anymore
David and Jo
A note to thank you so much for your recent handling of our property re-financing and debt consolidation. Confronted with the dual problems of my age (mid-60s), a downturn in our long established business – and a totally unhelpful response from our bank (despite long term, substantial and unblemished business with that bank) – dealing with you guys has been a breath of fresh air. With Gary’s positivity, reassurance and flexibility during our initial approach to Freedom Loans and your own deft, persistent handling of the perversities of ‘the system’, as well as the nuts and bolts of the ultimately successful outcome, we wouldn’t hesitate to thoroughly commend your services to anyone – particularly those who need a helping hand dealing with the increasingly inflexible and impersonal mainstream financial services industry – and in the face of the difficulty ordinary people now have in communicating at an effective level with the banks. Many thanks to all at Freedom Loans.
Emma Humphreys
Before I called Freedom Loans, I had been turned down by several other finance brokers. This was owing to my status as self employed – and in the Arts industry – without up to date financial records. I also had a minor credit blemish from the past. However, I had a mortgage hich I had paid flawlessly for the past five years. Whilst that fact didn’t seem to change anything with other brokers, Freedom were able to see that if I could afford the sky-high interest that my previous mortgage had, I could certainly manage a new, much lower interest rate mortgage. And they had that for me within a couple of days of my first phone call to them! How amazing, in this day and age, to find someone who listens, understands and actually delivers the results! With my wedding coming up and expenses mounting, I was really stressing out about what to do. After contacting Freedom, I now have just that – the freedom to actually live my life, rather than always feeling the crunch of high interest.
More testimonials

Our clients - All walks of life

Most people with bad credit are just victims of circumstance.

Usually it’s something simple. They got a heap of bills all at once and didn’t have the cash to cover them. They got a big tax bill when they were expecting a refund.

They put something big on credit card then unexpectedly lost their job. They run their own business and a debtor went bust, leaving them in the lurch…

In fact, some people don’t even know they have bad credit until they apply for a loan or try to refinance. They may not even know how they got it!

Sure, some of our clients simply overspent one too many times, but who hasn’t been there?

The point is that bad credit can happen to the best of us, but it doesn’t have to spell disaster. At Freedom Loans, we’ve worked with clients from all walks of life.

We’ve seen every imaginable scenario, resolved countless credit problems, and successfully gotten home loans for literally thousands of clients who’d been told “no” by the banks.

Call us now on 1300 364 751 to get approved today.

You’re not alone

  • 20,000 Australians go bankrupt every year
  • In the last 6 months, applications for bad credit loans have increased by 44%
  • Under Australian law, even a $20 debt can cause bad credit
  • Approx 10% of credit reports are actually wrong!
  • Bad credit can strike anyone: nurses, teachers, builders, graphic designers, lawyers, doctors, self-employed