Refinance Cashback Offers: Are They Really Worth It for Bad Credit Holders?

Refinancing your mortgage can be a challenging task, especially if you have bad credit. But what if there was a way to make it more appealing? Enter refinance cashback offers. These offers promise a cash incentive when you refinance your mortgage with a new lender. While the idea of receiving a lump sum of money […]

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Understanding Secured Loans: How They Work for Those with Bad Credit

Struggling to get a loan due to bad credit? You’re not alone. Many Australians face the challenge of securing financial assistance when their credit history is less than perfect. However, there’s a solution that might work for you: a secured loan. By using assets like your home or car as collateral, secured loans provide a […]

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How to Use Equity to Buy Another Property with Bad Credit

Dreaming of expanding your property portfolio but worried about bad credit holding you back? You’re not alone. Many Australians face the same challenge, but there’s a solution that could help you achieve your investment goals. Understanding how to use equity to buy another property can open doors to new investment opportunities, even with bad credit. […]

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Understanding the First Home Guarantee: How It Works for Buyers with Bad Credit

Dreaming of owning your first home but worried about bad credit holding you back? You’re not alone. Many Australians face the same challenge, and fortunately, there’s a solution that might be just what you need. The First Home Guarantee can be a game-changer for first-time buyers struggling with bad credit. This initiative helps bridge the […]

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What is a Loan Guarantor? Everything You Need to Know

Imagine needing a loan for your first home, but struggling to get approval. You have a steady income and a solid plan, but your credit history isn’t perfect, and lenders are hesitant. Enter the guarantor. A guarantor can be the key to unlocking loan approval, providing added security for lenders. In this article, we’ll cover […]

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How to Get a Small Loan Without a Credit Check

Imagine needing a quick financial boost but worrying that your credit score might get in the way. Whether it’s an unexpected car repair, medical bills, or any other emergency expense, sometimes you need cash fast and can’t afford to wait for the lengthy approval processes of traditional loans. This is where small loans no credit […]

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Reasons Your Home Loan Declined After Pre-Approval

You found your dream home, got pre-approved for a loan, and everything seemed to be falling into place. Then, unexpectedly, your loan application was declined. This situation can be both frustrating and confusing, leaving many Australians wondering what went wrong. Understanding why a loan declined after pre approval is crucial to avoid surprises and improve […]

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How To Get A Debt Consolidation Loan With Bad Credit

Juggling multiple debts can feel overwhelming, especially when your credit score isn’t where you want it to be. If you’re struggling to keep track of various payments and high-interest rates, you’re not alone. Debt consolidation loans with bad credit can provide a lifeline, simplifying repayments and potentially lowering overall interest rates. In this article, we’ll […]

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Can You Salary Sacrifice Your Mortgage with Bad Credit?

Imagine being able to reduce your taxable income while paying off your mortgage faster, even if you have a less-than-perfect credit score. For many Australians, this is not just a dream but a potential reality through the concept of salary sacrifice mortgage. This strategy, while not as commonly discussed as other financial tactics, can offer […]

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Improving Your Credit Score for Better Refinancing Rates

When you refinance your mortgage, your credit score plays a crucial role in determining the refinancing rates you qualify for. A higher credit score signals to lenders that you are a low-risk borrower, which can result in lower interest rates and more favourable loan terms. Conversely, a lower credit score may lead to higher rates […]

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If you’ve been turned down by a bank – or more than one – because of bad credit, give us a call on 1300 364 751. We’ll tell you, straight-up, how we can help, so you can stop worrying and get back to living.

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