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Bad Credit Home Loans

Do you have a credit impairment, non standard income, historical debt? Life happens.

Our bad/low credit home loan options are designed to assist borrowers that do not fit traditional lenders' credit policies the options to get the most out of their property journey. These lending products can be specifically tailored to meet your unique credit history, circumstances and requirements. As experienced mortgage brokers, speak with us about your credit issues so we can work towards finding the best possible loan options and deals for you, guiding you through the process from start to finish. We can provide you with flexible access to cost-effective finance not possible with traditional lending institutions.
If your credit history is not ‘clear’ maybe you have one or more credit defaults, judgments or bankruptcy history on your credit report, then one of our bad credit mortgage finance products could be suitable for you. 
There are several credit impairments that may constitute an ‘adverse’ credit or ‘impaired’ credit history, more commonly known as a bad credit history. Adverse credit listings including; defaults, judgments, Part IX, Part X or discharged bankruptcy, or external company administration are all elements that contribute to what is commonly referred to as bad credit.

Unlike other mortgage providers, we specialise in assisting borrowers with a bad credit history which can vary from very minor credit impairments to bankruptcy.

Our range of specialist products are ideally suited if your seeking finance with bad credit for investment or owner-occupier purposes. Our brokerage has helped hundreds of Australian borrowers obtain home and investment loans where other lenders have said ‘no’.

When searching for finance with adverse credit listings, our bad credit loan products and our specialist lending expertise, really can make all the difference.


As a trusted mortgage broker, we can help you develop a personalized loan strategy for purchasing your home. With our assistance you can structure your loan efficiently and minimize risk.
Our team stands ready to support you throughout the entire process, so contact us today to learn more.

At UZO, we understand that the mortgage process can be complex. That’s where our experienced team comes in - we work closely with our clients to ensure their mortgage experience is as smooth as possible. Whether you’re a first-time investor or an experienced investor, we can help you find the perfect mortgage for your needs.

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With this guide, we have provided some basic information you need to know and have for your first home loan. We hope you find value in this resource. 

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