Outlook Finance · Bad Credit

Bad Credit Home Loans

Default, late payments, judgement, or bankruptcy on your file? Specialist lenders assess the story behind the credit event — not just the score. Most clients still get approved.

Get a Free Assessment →

🛡️

ACL Licensed

Australian Credit Licence 418711

★★★★★

Google 5-Star Rating

Verified client reviews

🏆

15+ Years Experience

2,000+ Australian families helped

The problem

One credit event = automatic decline at the major banks

Major bank credit policies are mostly automated. A $400 unpaid phone bill from three years ago can trigger an automatic decline before a human even sees the application — and you’ll never know which lender would have looked past it.

The Outlook way

We know which lenders ignore which credit events

We’ve built a map of every specialist lender’s credit policy: who accepts paid defaults under $1k, who’s fine with one missed payment two years ago, who needs bankruptcy discharged 12 months vs 24 months. We send your application to lenders whose policy fits your story.

How it works

Three steps. Roughly 30 minutes.

1

Apply

Tell us your situation in a 2-minute online form, or call for a 10-minute chat. No documents needed yet — we just want to understand what you are trying to do.

2

Assess

We compare every product on our lender panel against your situation, then walk you through the 2-3 best options including realistic rates, fees, and turnaround times.

3

Approved

We package and submit the application, chase the lender, and keep you informed at every step. Most clients are unconditionally approved within 5-10 business days.

Frequently asked

Common questions about bad credit home loans

What counts as a "bad credit" event?+
Any of: defaults (paid or unpaid), late payments on credit accounts (especially repeated ones), court judgements, writs, bankruptcies, Part IX agreements, debt agreements, or a credit score below 500. Even a single small default can knock you out of mainstream lending temporarily.
How long do credit events stay on my file?+
Defaults stay 5 years from the date of listing (paid or unpaid). Court judgements: 5 years. Bankruptcy: 7 years from discharge. Late payments / repayment history information: 24 months. Credit enquiries: 5 years. After these timeframes the entry drops off and your score recovers.
What's the rate on a bad credit home loan?+
Depends entirely on the size and recency of the credit event. Near-prime (one paid default, otherwise clean): 0.3%-0.8% above mainstream. Specialist (multiple events or recent bankruptcy): 1%-2.5% above mainstream. We get you the best tier you qualify for, then refinance you down as your file ages.
Can I get a home loan after bankruptcy?+
Yes. Some specialist lenders accept applications the day bankruptcy is discharged. Most prefer 12-24 months of clean conduct post-discharge. By the time you're 4-5 years post-discharge, you can usually access mainstream lenders again.
Will applying hurt my credit score further?+
Each lender application creates an enquiry that drops your score 5-15 points. We pre-qualify you across our specialist panel without formally applying first, then send your file to the single best-matched lender — minimising hits. We never spray applications across multiple lenders simultaneously.

Get a Free Assessment

Talk to a broker today — no cost, no obligation.

Three fields. We will be in touch within one business hour during NSW business hours.

Name(Required)

Or call 1300 432 961 · Mobile 0481 712 907 · Email info@outlookfinance.com.au · Mon-Fri 9am-6pm AEST