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.
- Current income
- Deposit or equity
- Existing debts
- Credit history
Credit impaired home loansCredit 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.
- Specialist lender options
- Personal broker support
- Confidential assessment
Tell us a little about your situation and we'll help you understand the next steps.
A DIFFERENT WAY TO LOOK AT CREDIT
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.
WHERE WE MAY HELP
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.
WHAT LENDERS MAY CONSIDER
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.
THE CREDIT IMPAIRED LOAN PROCESS
From understanding your history to finding a pathway forward.
We help you understand the factors that may matter before choosing a lending strategy.
- 01
Understand your position
We discuss your income, liabilities, deposit or equity and the circumstances behind your credit history.
- 02
Review the credit issue
We look at the type, timing and current status of the adverse credit events relevant to your application.
- 03
Identify suitable options
We compare relevant lender policies and consider which pathways may be appropriate for your circumstances.
- 04
Prepare the application
We help organise supporting information and explain the documents the lender may require.
- 05
Submit and communicate
Where an application proceeds, we help manage communication with the lender through the assessment process.
- 06
Move toward settlement
If approved and accepted, we help keep the finance process moving toward settlement.
GET PREPARED
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.
DOCUMENT CHECKLIST
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.
Prefer to talk it through?We can go through the list with you and explain what applies to your situation.Talk to a broker+61 433 346 053
10 items
- 01Identification documents
- 02Recent payslips and income evidence
- 03Recent bank statements
- 04Details of existing loans and commitments
- 05Evidence of savings or available equity
- 06Credit report or details of adverse events where available
- 07Tax returns and financials for self-employed applicants
- 08Property details and current loan information
- 09Supporting documents relating to bankruptcy or insolvency where applicable
- 10Other supporting information relevant to your circumstances
WHY USE EZY FINANCE DEALS?
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.
Understand your options
We explain the factors that may influence your available lending pathways.
Compare relevant lenders
Different lenders can have different policies around credit history and financial circumstances.
Prepare your application
We help you understand the supporting information that may be needed.
Have a broker on your side
We help communicate with the lender as your application progresses.
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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What Our Clients Say
Abhi helped us secure a home loan despite having a low deposit and a more complex financial situation. He was upfront and transparent throughout the process, clearly explaining every step, from budgeting to property selection and the loan application. His knowledge, guidance, and persistence helped us achieve approval when other options seemed difficult. I highly recommend Abhi to anyone looking for their first home loan or refinancing Abhi Is best mortgage broker.
Abhi helped us navigate a complex property portfolio and successfully secured our finance. He got us competitive rates for existing loans and saved us time & money. His knowledge in trust, SMSF structures in very good and I highly recommend him
Highly Recommended Mortgage Broker
As a first home buyer, I was unsure about the loan process, but Abhi made it simple and stress-free. He clearly explained my options, helped with government grants, and secured a great loan. His support from pre-approval to settlement was excellent. I highly recommend Abhi Batra for first home buyers in Australia!
This is my third time I used EzyFinance and like always I got extra ordinary service.
This time I need access to funds ASAP and Abhi helped to me get funds on time.
Everything was so smooth and quick. Abhi is to go person for me.
was referred to Abhi by a friend, and after checking his Google reviews and profile, I was already impressed.
He helped me with a knockdown and rebuild loan after my existing lender couldn’t help . Abhi was upfront about the documents needed, handled all communication, and made the whole approval process smooth and stress‑free.
Very smart Finance broker
After having tried to work with other brokers and not getting anywhere, Abhi came along and everything changed. Abhi to me is "The Guru". He had my worries, concerns and questions answered. Everytime, he reassured us and explained things to us and would be readily available. Thanks Abhi for being the best. Thank you for making the process a bit more enjoyable. See you next time definitely.
I’m based in Western Australia and was referred to Ezy Finance Deals through a friend. From the first conversation, he asked question about financial goals and future plans. He then structured our new loan in a way that helps maximise our tax benefits and sets us up to buy our next investment property.
Abhi’s knowledge of lending, tax-effective structuring, and property finance is very impressive, and his communication throughout the whole process was clear, prompt, and easy to follow.
The process was smooth from start to finish, and I always felt informed and supported. Highly recommend Ezy Finance Deals to anyone looking for a smart, strategic mortgage broker who genuinely cares about your long-term relations and gets you best solution
I found Ezy Finance Deals online while searching for a local broker and I’m so glad I did. Abhi helped me refinance my existing property to a much better rate and also assisted with a business loan
His communication was clear and consistent, and the whole experience – from refinance to the business loan approval – was incredibly smooth and stress free.
He was always available to answer my questions and explain the options in simple terms. I will definitely be recommending Abhi and Ezy Finance Deals to my family and friends – not just for getting the best rate, but for having the best broker on your side.
I found Abhi online searching for broker in area specialising SMSF. From our first discussion, it was clear he has strong knowledge around SMSF lending and the specific requirements involved. He took the time to explain each step in plain language and made sure I understood how everything would work with my fund.
Abhi liaised directly with my accountant and conveyancer, which turned what I expected to be a very complex transaction into a smooth and straightforward process.
His communication was prompt, professional, and proactive, and I always felt everything was under control.
I’m extremely happy with how easy he made this SMSF purchase and wouldn’t hesitate to recommend Ezy Finance Deals to anyone needing expert, hassle-free finance advice.
From our very first chat, he listened carefully and broke everything down in a way that finally made sense. Abhi gave me the clarity and confidence
I came to Abhi at Ezy Finance Deals with a complicated situation desperately needed to refinance and complete a purchase a property where I can see renovate and flip
He truly went the extra mile to make sure I got the best possible outcome. It’s rare to find someone who understand complex lending — I can’t thank Abhi enough for his support and expertise.
CREDIT IMPAIRED LOAN FAQ
Questions borrowers often ask.
Can I get a home loan with a bad credit history?
It may be possible depending on your current financial position, the nature and timing of the credit issues, deposit or equity, servicing position and the lender criteria that apply to your circumstances.
Can I get a loan if I have defaults?
Some lenders may consider applications involving defaults, but their policies can vary significantly. The type, amount, age and status of the default may all be relevant.
Can I refinance if I have credit issues?
Potentially. Refinancing options depend on your current loan, equity, income, repayment history, credit profile and the requirements of the lender being considered.
Can I apply after bankruptcy?
Potentially, depending on your circumstances and the lender. Timing, the status of the bankruptcy or insolvency event, current income and overall financial position can all be relevant.
Will applying affect my credit score?
Whether an application results in a credit enquiry depends on the lender and application process. We can discuss the proposed approach before proceeding so you understand the process.
How much deposit do I need?
There is no single deposit requirement for every credit-impaired borrower. Available options depend on the lender, property, loan-to-value ratio, credit circumstances and overall application strength.
Can self-employed borrowers apply?
Yes, self-employed applicants can potentially be considered. The lender may require additional income and business documentation depending on the application.
Should I wait before applying?
Sometimes improving the application before submitting it can be beneficial. The right approach depends on your credit event, current finances, deposit or equity and your goals.
READY TO EXPLORE YOUR OPTIONS?
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.
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