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Issues with bad credit? Look to a home loan with Liberty today.

Liberty has home loans for bad credit to help you get back on your feet.

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Concerned about credit checks?

Sometimes life can throw the unexpected your way and things don't go according to plan – leaving you with a bad credit rating. With Liberty, bad credit doesn’t have to hold you back when it comes to getting a home loan.

  • Paid defaults

  • Mortgage arrears

  • ATO Debt

  • Past bankruptcy

  • Unlimited debt consolidation

  • Fast approval process

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Frequently asked questions

  • Many people with bad credit are reluctant to apply for a home loan and are often told they will not qualify for a mortgage – this may not be the case. At Liberty, we have a range of home loan solutions designed to help people from all walks of life get financial. Even with a less than perfect credit history including paid or unpaid defaults, mortgage arrears and bankruptcy, Liberty can work with you to find a great home loan solution.

  • If you are unsure of your credit history, get in contact with a credit reporting agency like Veda, Dunn & Bradstreet or Experian for a free copy of your credit report.

    This report includes much of the information that counts towards a poor credit score including number and type of loan enquiries, type of credit providers, unpaid debts and credit infringements.

  • Having bad credit often refers to there being a default listed on your credit report. This affects your credit score and can make you appear riskier to some lenders, making it difficult to be approved for finance.

    Liberty’s home loans can provide the flexibility borrowers may need to rethink their current financial situation and take a step forward.

  • When it comes to applying for a loan, most lenders consider an applicant to have bad credit if they are behind in existing loan repayments or have a poor credit report.

    A poor credit report can be caused by many factors. For example, not paying or late payments on a utilities bill, can lead to an unpaid account listed as a default.

    Similarly, applying for multiple loans with different lenders within a short timeframe can reduce the credit score on your report. If you have poor credit and are interested in our home loans to you move forward, speak to a Liberty Adviser today.

  • Liberty has a range of home loans to suit different borrowers and help repair bad credit. In fact, our home loans are flexible and can adjust over time to reflect improving circumstances.

    At Liberty we look at a person’s whole story so we can understand the circumstance of your financial history.

  • If you know you have poor credit, you should tell your broker. If you let them know, they can help find you a lender such as Liberty, that will listen to your full story and consider your application even with a lower credit score.

    If you know you have bad credit and need a home loan, talk to a Liberty Adviser or broker today to discuss your options further.