Do you have a low credit score or impairment?

With more complex credit reporting now, you may not be aware of your credit score, health, and just what is listed. Many clients aren’t aware of these sorts of issues until they apply for a loan somewhere else, are declined, and then find us as a valuable resource.

We have a dedicated credit impaired specialist working with a number of lenders and credit repair companies to best assist you. Whether it’s for a larger mortgage, or smaller persona, business, or car loan, we can provide a fully free,. no obligation credit review, provide advice, and then see which lender will best assist you.

How to remove items from credit reports

While some items on your report may be listed for as long as required i.e. anywhere from 2-7 years, there may also be some items on your report that are in error, or can be negotiated out. We have successful stories, of people who have managed to speak to default agencies, and come to an agreement to have default listings removed. Also some items are listed in errors such as enquiries where you may not have been fully informed hard credit check would be completed.

By providing a free credit assessment, we can go over your report with you and position yourself for the best chance for sucess. Where credit scores can’t be repaired or fixed in the short term, we can assist with a longer term improvement strategy, and negotiate with lenders who will still consider your application.

Application Process

We try and keep the application process as easy and effective as possible. This means we will provide a completely free, initial consultation to assess your needs and current position. From this, we will work out a plan to provide the best solution, and pre-negotiate with lenders on your behalf. Once we are happy with lender’s offers, we will present you the best options for your feedback and a list of what is needed to complete. Once approved, and all docs supplied, most funding is provided within 24-48 hours. Just note that we can provide all types of funding, so the details of documents can be suited to your needs i.e. full doc, alt doc, low doc etc. If you aren’t sure where you fit in, just give our friendly credit assessors a call today.

Types low cred, and impaired loans

  • Mortgages and property investing loans

  • Asset loans i.e. car, bike, horse floats, caravans and more

  • Cash out loans for home improvements

  • Yellow Goods – earthmoving, agriculture and construction vehicles/equipment

  • Any other worthwhile personal or business use/purpose

Type of Clients

  • Full doc – last two-year full financials and tax returns for lower rates

  • Low Doc – Only need latest BAS, stat dec, and/or accountants’ letter

  • Alt Doc – other income and financial verification methods available

  • Credit Impaired – low credit score, defaults, bankruptcies considered

  • New Businesses – From 1day ABN, company structure changes and more


  1. Initial consultation – view our contact page for details

  2. We negotiate with lenders on your behalf for the best deal

  3. Seek your feedback and assist with any additional questions for approval

  4. Complete document checklist and seek final approval

  5. Once approved, funds arrive typically 24-48 hours