Can You Get A Home Loan With Defaults?
Yes! Many lenders will approve your loan even if you have:
- Paid defaults (smaller impact)
- Unpaid defaults (still possible with stricter terms)
- Multiple defaults (specialist lenders available)
- Telco and utility defaults (often considered less severe)
The key? Working with the right mortgage broker. We connect you with lenders who assess your full financial picture, not just your credit report.
Do You Qualify For A Home Loan With Defaults?
You may still be eligible for a home loan if you:
- Have at least 10% deposit or home equity.
- Can show stable income to support repayments.
- No missed repayments with the bank you’re applying with.
- Have managed or are repaying past defaults.
- Have a reasonable credit history, even if imperfect.
Why Choose Home Loan Experts?
We specialise in helping borrowers with defaults secure a home loan with the right lenders. Here’s why clients choose us:
- Specialist Lenders Who Say Yes—Even When Banks Say No!
- Home Loans for Paid & Unpaid Defaults
- Competitive Interest Rates And Flexible Loan Options
- Expert Guidance to Improve Your Loan Approval Chances
- Fast & Easy Process – No Obligation Consultation!
- 16+ Years of Experience Helping Aussies with Bad Credit
- 4.8-Star Google Reviews & thousands of Happy Customers
50+ lenders for you to choose from
Our brokers will compare thousands of home loans to find you the best fit.
Don’t believe us, hear from our customers
I had a poor credit score due to applying for multiple loans and being knocked back. That’s when I reached out to the Home loan Experts and at the time did not think I would get approval but here we are close to settlement. The process has been smooth and in a timely matter. I can now put myself back on track financially and improve my credit score.
I was nervous as my credit rating was not the best due to some issues 3ish years ago. Sid and Abhash were extremely efficient, kind, helpful and nothing was a problem. A little context, single female one income no dependents with 5% deposit. Secured a home loan quickly, explained everything well and absolutely could not fault them!
We came to Home Loan Experts three years ago when we were in a rough patch and no major banks would lend to us. Our situation has significantly improved since then, but these guys saved us at least three years and helped us buy our first home and now an investment property. I will never stop recommending them!
4.8 out of 1600+ reviews
4.6 out of 420+ reviews
4.7 out of 720+ reviews
Award-Winning Expertise At Your Service
Home Loan Solutions – Even with Defaults!
Take control of your finances with expert guidance in three steps.
-
Start with a Free Assessment
Complete our free online assessment form to see if you qualify for a home loan. Prefer to talk? Call 1300 889 743 to speak with a specialist now.
-
We Understand Your Situation
A dedicated expert will assess your financial situation. We work with lenders who consider applications from borrowers with defaults or bad credit, ensuring you receive clear, honest guidance on the best loan options available.
-
Secure the Right Loan for You
We’ll match you with lenders that understand your situation and offer a loan that meets your needs. We can help you secure a competitive rate and take the next step toward owning your home.