Bad Credit

Whether you have everything in order, or have a slight credit impairment, my product range may be able to help you.

A home loan for those who are unable to meet the criteria of banks or mortgage insurers.
Even if you have unique financial circumstances like an adverse credit history, existing home loan arrears or credit card defaults, an irregular income or too many debts, Lori Ristevski has a range home loans to assist you.

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.

Note - All applications are subject to normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.

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