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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.
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.
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.