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

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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’.

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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.

How much could I borrow?

Checklist

Download your free home loan checklist

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. 

 2024 UZO Finance Group PTY LTD

UZO Finance, Credit Representative Number 555279 is authorised under Australian Credit License Number 405961.

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This website has been prepared without considering your objectives, financial situations or needs. Before acting on the advice on this website, you should consider whether it is appropriate for your circumstances. Please contact UZO Finance Broker to discuss your unique circumstances for a personalised loan strategy which suit your needs. 

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Note: As with any financial scenario there are risks involved. This comparison tool provides an illustrative overview or summary only based on stated assumptions and your inputs and it should not be considered a comprehensive analysis. Calculations are meant as estimates only and it is advised that you consult with an independent professional lending or taxation expert as appropriate specific to your objectives, financial circumstances or needs. UZO Finance experts can guide you through the loan process. Information included in the illustration has been sourced from third parties and has not been independently verified. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.​​​​

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Ground Floor Office 2328/470 St Kilda Road, Melbourne VIC, 3004

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