Tired of renting?

It’s the Australian way to give people a second chance, just like it’s the Australian way to want to own your own home. We believe in both wholeheartedly.

At Positive Lending Solutions we can get you a home loan with bad credit. We believe that even if you have a limited credit history, that certainly shouldn’t stop you from having the chance to buy your own home.

Benefits of bad credit home loans

While you will probably have to pay higher interest rates, there are many benefits to taking out a bad credit home loan.

home loans bad credit

You can buy and move into the house you want

bad credit repair

The security of your own home gives you the chance to establish a stable residence and employment record, which will go towards improving your credit rating

improve your credit rating

By making your home loan repayments on time and in full over the course of the loan, you’ll start changing your bad credit history

future finance for bad credit

By fixing your credit history, you’ll have a far better chance of securing loans at lower interest rates

bad credit home loan features

Your bad credit home finance will still have many of the features of a regular loan, including offset accounts, and fixed or variable rates

refinance home loan

With an improved credit history, you can refinance your home loan to access better rates and repayments

Can I get a bad credit home loan?

The short answer to that is almost certainly. If you’ve built your credit history on any of the following, we can help.

paid defaults and unpaid defaults

Paid or unpaid defaults, including credit card defaults

loans after repossessions


finance after bankruptcies

Discharged bankruptcies

no past credit history

No credit history

part 9 debt agreement

Discharged from a Part 9 Debt Agreement

applying for too many loans

You’ve made too many loan enquiries

Our success rate for securing bad credit home finance is impressive, and we’re confident we’ll be able to help you too.

Why Positive Lending Solutions for your second chance home loan?

  • We’ve been in finance for over 35 years…we know what we’re doing.
  • Access to the best deals on bad credit home loans from over 35 of Australia’s top financial institutions.
  • Fast application and approval process…usually less than 48 hours from start to finish.
  • You’re our priority, and we’ll do everything we can to get you the best deal possible, not the banks and lenders.

What should you do now?

If you want to find out more, call one of our impaired credit home loan experts on 1300 722 210 for an obligation-free discussion. We’ll talk you through the features of bad credit home loans, including interest rate and repayment details, and start the application process all within minutes of calling us!

If you’d prefer, we can call you instead. Just take 30-seconds to fill out our Quick Quote form and one of our experts will call ASAP. It’s that simple.

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