At Loan Theory, we understand that life does not always go to plan. If you have had credit issues in the past, securing a home loan can feel overwhelming. We specialise in helping clients with less than perfect credit find real lending solutions so they can move forward with confidence.

We work with over 40 lenders and have access to more than 200 loan products, including specialist lenders who consider applications other banks may decline. Whether your credit history includes defaults, late payments or bankruptcy, we know which lenders are more flexible and what they require to approve a home loan.

Bad credit home loans can be suitable if you have experienced:

• Missed or late repayments – On loans, credit cards or utilities

• Defaults or judgments – Paid or unpaid

• Bankruptcy – Discharged or nearing discharge

• Part IX or Part X agreements – Settled or in progress

We will work with you to understand your situation, review your credit report and help you prepare an application that gives you the best chance of approval. This may include demonstrating improved financial habits, showing stability in income and providing supporting documents that explain your circumstances.

Our process is straightforward. We start by discussing your goals and reviewing your credit file so we can match you with lenders who are most likely to approve your application. We present clear options in plain language and guide you through the process from start to finish.

Once your loan is in place, we will continue to review your lending regularly. If your credit profile improves over time, we can help you refinance to a lower rate with a wider choice of lenders.

With Loan Theory, you are not just getting a bad credit home loan. You are getting a partner who believes in second chances and is committed to helping you achieve your property goals.