We specialise in Bad Credit Home Loans in Full Doc and Low Doc options.

Specialist loans for most borrowers are a solution to be used as a stepping stone to getting you back on track to a prime loan. These can then be refinanced to a lower rate when either credit defaults have dropped off your credit report or in the case of self-employed full financials are available.

There are many different types of Borrowers who do not satisfy mainstream lender’s increasingly tight credit criteria. Since the GFC, many lenders have reduced their tolerance for risk to keep the cost of funding down, requiring them to have tighter credit policies.

Variables such as bad credit history, bad credit score, Self Employed financials not up to date, time in current employment and types of income may mean you fail to meet a prime lender’s or mortgage insurer’s requirements when, in fact, you can be regarded as very reliable in terms of credit risk.

Express Enquiry Form

Call 1300 791 329 and talk to a specialist.

All our Home Loans are Secured by a 1st mortgage over Residential Property.

Express Enquiry Form

Secure a Home Loan with Bad Credit History

We are uniquely qualified to assist borrowers with a bad credit history.

What are my options if I have Bad Credit?

Often these options fall “out of the box” for mainstream lenders and may include customers that have been declined by traditional lenders due to policy, credit scoring, bad credit rating or LMI restrictions. If you are PAYG or Self Employed with lodged Financials explore the Full Doc Options. If you are Self Employed and do not have lodged financials explore the Low Doc Options.

These mortgage loans for bad credit are designed to assist those borrowers who do not meet standard lending criteria to fund a property with the view of refinancing to a prime loan when credit rating is clear.

Non-Conforming Loans

Bad Credit Full Doc Home Loans

Bad Credit Full Doc

A complicated past, may not mean a complicated future. We have specialist lenders that will lend to 95% LVR of property value if you have paid or unpaid defaults, discharged Bankruptcy or Part 9, court writs, judgements or just bad credit rating. By refinancing and consolidating your debts you may be able to minimise your repayments, settle debts in default and eventually clean up your credit rating.

These home loans are designed to assist those borrowers with bad credit or a poor credit history to purchase or refinance a home.

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Bad Credit Low Doc Home Loans

Bad Credit Low Doc Loans

Australia has more than two million independent contractors or self-employed with many of these businesses having their financials ready at the time of application so do not fit into the Banks format for Self Employed. We have low doc home loans for both clean credit and loans for bad credit ratings for purchases up to 90% LVR and refinances to 85% LVR with no cash out restrictions.

Low Doc loans are designed for the self-employed or small company borrower/s whose financial statements may not be available at the time.

Low Doc Loans


Why You Should Use a Specialist Broker?

  • We do all the running around for you, saving you time and making the task of finding a home loan easy and less confusing.

  • Large range of lenders… we offer over 500 products from 40 different lenders.

  • Ausco Trading Pty Ltd is a full member of the MFAA (Mortgage and Finance Association of Australia). All our brokers are members of the MFAA and must have completed Certificate IV and a Diploma in Financial Services (Finance/Mortgage Broking).

  • We provide you with a written credit proposal document for your protection which discloses all commission and payments received.

  • We do not sell our own home loans and therefore are not an agent for one lender in disguise.

  • Our high level of continued training ensures that our brokers are always abreast of developments within the mortgage industry, and are always up-to-date with current products being offered by the lenders on our panel. Australian Credit Licence No: 386838

Our Large Panel of Lenders

The level to which any mortgage broking company can service its clients is directly related to the level in which the company itself is serviced. To this extent, we place great emphasis on the size of our lender panel.

We offer over 500 products from 40 different lenders

What our clients are saying…

We look after our customers and that’s why we have many satisfied clients from all over Australia… below are just a few.

Hi Ray, we stayed in our new place on the weekend, all is good! Just wanted to let you know. Also my wife is already talking about our next home, so once we have tidied this one up I’ll give you a call (in a year or so) I’m happy to recommend you to anyone I talk to.
Seppo, Tumut
Genene has been great helping me many times over the years during trying times and family issues, Genene has always been sympathetic and understanding. Genene has always found the right product to suit our needs, would not go anywhere else for my lending needs.
Graeme, Gold Coast
Thank you for your professionalism and high level of service you provided during our recent process of buying my new home. Your attention to detail, constant feedback and professional manner was greatly appreciated. I shall be recommending your services to others.
Sonia, Albion Park