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If your code still hasn’t arrived, please contact one of our Lending Specialists and call 1300 65 90 22, or email us at [email protected]


Will bad credit history affect my ability to be approved for a home loan?

Although a bad credit history may prevent some banks from approving your finance application, Inception Finance has a number of specialist lenders who offer products for borrowers with bad credit or default history.

Please don’t hesitate to speak with an Inception Finance Lending Specialist to discuss your bad credit home loan options.


Can I consolidate my debts with Inception Finance?

Inception Finance can assist you with consolidating your debts into your home loan which can provide you with reduced monthly repayments as you will be paying down the debt on home loan rates as opposed to credit card or personal loan rates.

Talk to an Inception Finance Lending Specialist on 1300 65 90 22 for potential consolidation options.


Can I refinance my home loan if I am behind on my repayments?

Typically, you need to be up to date with your payments and not have had any errors in the past six months. This can vary between different lenders, but most do require you to be clear from defaults for a certain length of time, prior to your application.

This also applies to late payments or if you have a history of late payments. In this situation the best thing to do is check the policy of the lender you are looking to refinance with. Your lender’s policy could vary depending on how much somebody is behind and for what reason.

Feel free to chat to an Inception Finance Lending Specialist on 1300 65 90 22 about your options.


Can I use the First Home Owner Grant to form part of the deposit for my first home purchase?

Yes, although the First Home Owner Grant can be put towards reaching your deposit amount it is often not large enough to cover the minimum deposit required for most properties, so additional savings would be needed.

You may also be required to provide evidence of genuine savings. To enquire further about your first home talk to an Inception Finance Lending Specialist by calling 1300 65 90 22.


Do I qualify for the First Home Owner Grant?

This criteria varies from state to state. Generally you will need to meet the following:

  • at least one buyer must be an Australian citizen or permanent resident
  • the agreement must be for the purchase of the whole property
  • you must be a natural person (not a company or trust)
  • you must be over 18
  • you or your partner have not previously owned residential property in any form in any State or Territory of Australia
  • at least one purchaser must occupy the home within 12 months and needs to live in the home for a continuous period of at least 6 months
  • if your partner has previously owned a home or received a benefit from this scheme, you will not be entitled to receive a concession or exemption.

Find out more by visiting the official Australian grant First Home Owner Grant website.


Am I eligible for a home loan if my deposit is 5% or less?

Majority of lenders require a 5% and upwards of a 10% deposit for a home loan application to progress however Inception Finance has access to funders who offer ‘Guarantor Security Support’ products. This involves the applicants parents or family member to offer equity in their property to enable them to get into a property with little or no deposit.

To enquire about this type of home loan you can contact us here, or talk to a Inception Finance Lending Specialist by calling 1300 65 90 22.


Do Inception Finance offer investment home loans?

Inception Finance offers a number of investment home loan options from over 60 major and non-bank lenders across Australia. Our platform provides you with the access to quickly and easily compare multiple lenders and investment loan products online.

Find out if you qualify for a low rate investment home loan today.


Are companies and trusts eligible to apply for a home loan?

Yes, Inception Finance does have this product offering available. Your individual situation along with lenders requirements will determine your eligibility.

To enquire about a home loan you can contact us here, or talk to a Inception Finance Lending Specialist by calling 1300 65 90 22.


Can I repay my home loan early?

You can certainly repay your loan before the term end date on your loan contract however fees associated with this differ from lender to lender. Such fees may include, but are not limited to, fixed rate break costs or discharge fees.

An additional consultation should be undertaken with your Lending Specialist to fully understand your individual circumstances. Speak to a Inception Finance Lending Specialist today on 1300 65 90 22.

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