Credit issues don't have to stop your next move.
If your credit history has made traditional lending difficult, Ezy Finance Deals can help you understand your options and explore suitable finance solutions based on your current position.
Let's understand your options
Tell us a little about your situation and we'll help you understand the next steps.
Your credit history is important — but it is not the whole picture.
A past credit event can make borrowing more difficult, particularly when a standard lender's lending policy does not fit your circumstances.
Depending on the nature, age and circumstances of the credit issue, there may still be finance options worth exploring.
We help you understand how lenders may assess your current income, deposit or equity, existing commitments and overall financial position.
Start with your current position
Rather than focusing only on what happened in the past, we help identify the factors that may influence your options today.
Credit challenges can take different forms.
Every application is different. Understanding the nature of the credit issue helps determine which lending pathways may be worth considering.
Defaults & arrears
Past missed payments, defaults or arrears may affect how a lender assesses your application.
Judgments & credit events
Certain adverse credit events can require a more detailed assessment of your circumstances.
Bankruptcy & insolvency
If you have experienced bankruptcy or another significant financial event, lender policy and timing can be important.
Complex financial history
A combination of credit issues, existing commitments or changing circumstances may require a tailored lending strategy.
The full application matters.
Credit history is one part of a lender's assessment. The weight given to different factors varies between lenders and individual applications.
Current income
Your income and employment position help determine whether the proposed loan can be serviced.
Deposit or equity
Available savings, property equity or another acceptable contribution can influence the overall application.
Credit event
The type, amount, cause and timing of an adverse credit event can be relevant to lender policy.
Current repayment behaviour
Your more recent financial conduct may form part of the lender's broader assessment.
From understanding your history to finding a pathway forward.
We help you understand the factors that may matter before choosing a lending strategy.
Understand your position
We discuss your income, liabilities, deposit or equity and the circumstances behind your credit history.
Review the credit issue
We look at the type, timing and current status of the adverse credit events relevant to your application.
Identify suitable options
We compare relevant lender policies and consider which pathways may be appropriate for your circumstances.
Prepare the application
We help organise supporting information and explain the documents the lender may require.
Submit and communicate
Where an application proceeds, we help manage communication with the lender through the assessment process.
Move toward settlement
If approved and accepted, we help keep the finance process moving toward settlement.
Information that can help us understand your situation.
Exact requirements vary by lender and application, but having a clear picture of your finances can make the assessment more efficient.
Income evidence
Recent payslips, employment details and other relevant income evidence may be required.
Bank statements
Lenders may review transaction history and financial conduct as part of the assessment.
Credit information
Details about defaults, arrears, judgments or other credit events may be relevant.
Deposit or equity
Evidence of savings, available equity or another acceptable contribution may be required.
Existing commitments
Current mortgages, personal loans, credit cards and other commitments form part of the broader picture.
Explanation of circumstances
Where relevant, understanding what caused the credit issue and what has changed since can be important.
Being prepared can make the conversation easier.
You do not need to have every document ready before speaking with us. However, these items can help create a clearer picture of your position.
A credit challenge deserves a considered strategy.
When your circumstances do not fit a standard lending box, understanding lender policy becomes especially important. Our role is to help you identify the relevant options and prepare your application clearly.
Your past financial challenges don't automatically define your next step.
Whether you are looking to buy, refinance or explore a different lending option, we can help you understand what may be possible based on your individual circumstances.
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Let's talk about where you are today.
Tell Ezy Finance Deals about your credit history, financial position and goals, and let's work through the options available to you.