A less-than-perfect credit file doesn't always mean no

Defaults, late payments, judgements, a business that hit a rough patch — banks score the file, specialist lenders assess the story. We introduce you to a licensed broker who works with lenders that consider credit-impaired applications on their merits.

Situations a specialist broker sees weekly

• Paid or unpaid defaults still showing
• Late history from divorce, illness or downturn
• Discharged Part IX agreements or bankruptcy (seasoning applies)
• Multiple credit enquiries from shopping around
• Clean conduct now, but the file hasn't caught up

Specialist lending usually costs more than bank lending — often a stepping stone: fix the position now, show clean conduct, refinance to mainstream rates later. No approval promises, ever.

Tip: check your own credit report free (e.g. Equifax) before you speak with anyone.

General information only — not credit advice and not specific to your circumstances. Credit assistance is provided by a licensed mortgage broker. Better Way Loan may receive a referral fee if you proceed.