Ex Bankrupt home loans
Ex-bankrupt home loans

Ex bankrupt home loans are available for clients with current bankruptcy, part 9 agreement or discharge from bankruptcy, part 9 agreement for 1 day. We do ex bankrupt home loans full doc, low doc and no doc basis.. Full doc and low doc ex bankrupt home loans available up to 85% LVR where no doc ex bankrupt home loans available up to 80% LVR. If your business is registered for not less than 12 months we can offer you up to 80% LVR no doc home loans for any worthwhile purpose. Ex bankrupt home loans can be used for purchase of owner occupied property, refinance, debt consolidation or cash out for business or consuming. We offer unlimited amount of cash out depending on time of discharge, LVR and documentation of the loan. Cash out amount can be used both for consuming or business purposes like working capital, buying equipments for business, pay of tax debts, pay off bankruptcy, home renovation, holiday buying car or any legitimate purposes. Ex bankrupt home loans only available through non bank private lenders where bank offer ex bankrupt home loans when the bankruptcy is completely removed from clients credit file.


The finance group have achieved 99% approval rates for any type of mortgages in past 7 years record because:

  1. We do a complete pre-assesment of the loan application to find best possible options for the client.
  2. We obtain all related veda reports and property reports upfront to safe guard the approval of the loan.
  3. We have access to all popular lenders in mortgage industry including 10 private lenders to assist the client with their loan requirements.
  4. We have created strong relation with our lenders through approval of our loans in pas years.


Ex bankrupt home loans can be a very easy process to obtain if you have clear idea about lending policy and if you are aware what you are eligible for. We strongly recommend to have a professional advice for your ex bankrupt home loans other than shopping for loan without right selection of the lender. .

All ex bankrupt home loans rates quoted bellow are subject to changed by lender. To find the appropriate quote for your Ex bankrupt home loans please submit an inquiry to commence a free assessment process. All costs quoted are estimation only.

 Interest rate
 Full doc - 85% LVR- from 7.96% PA
Low Doc- 85% LVR- from 8.74% PA
No Doc- 80% LVR- From 7.74% PA
Interest rate is low at lower LVR loan.
Lowest rate is 6.81% PA at 65% LVR.
 SecurityStandard Residential properties in any populous areas. Depending on lenders post code guide different lender categories property locations in different way and allocate maximum LVR for the location.
Vacant land is acceptable for eligible borrowers only depending on location of the property.
Please submit an inquiry to know maximum LVR available for your property location.
 Full Doc/Low Doc/ Acc-Letter
 Full Doc- Subject to risk fee up to 85% LVR
Low Doc- Subject to risk fee up to 85% LVR
No Doc- Subject to risk fee up to 80% LVR only with accountant declared income.
Cash out restricted by LVR and length of discharge.
 Maximum Loan amount
 Full Doc- up to $1.5 mil, Up to $2mil loan available @55% LVR
Low doc or no doc- up to $1.5 mil if discharged for 3 years, up to $1mil if discharged in 1 year for other $750k maximum loan.
 Minimum Loan amount
 $50k-$100k depending on lender
 Credit history
  • Up to $1000 paid default can be ignored for eligible bank loans.
  • Paid defaults up to $750-$1000 ignored for non bank loans
  • Defaults listed >2 years not counted for rate load
  • Mortgage arrears count if not paid in 30 days.
  • Past 12 months credit inquires need to be explained.
  • All defaults and arrears need to be with acceptable explanation.
Depending on above lender assign impairment level and offer interest rate and maximum loan available
 Loan Term
 2-30 years
 Repayment options
 P&I or IO up to 5 years
 Lenders Application fee
 Included with the risk fee
 LMI
 N/A
 Risk Fee
1%-2.1% or the loan amount depending on lender, LVR and degree of credit impairment.
 Our Brokerage
Negotiable depending on amount of loan, amount of work and complex nature of loan requirements.
 Other costs
  • Other costs for non bank loans are quoted to client at cost by the lender. Legal cost, mortgage registration, documentation fees, title insurance, settlement fees altogether allow up to $3000-$4000 depending on the lender and current government rates.
  • Most of above we disclose on our credit quote after selecting the lender.
  • Some of the above are not ascertainable until the settlement agent quote for the costs.
  •  Proof of Income
    Full doc loans 2 years full financials with tax returns are mandatory. Notice of assessment is not required for some lenders.
    Low doc bank loans 12 consecutive months BAS's is mandatory, recent 6 months trading statements may be required.
    Low doc non bank loans 3-6 months trading account statement is mandatory.
    No doc debt consolidation home loans only accountant declaration and borrower's repayment declaration required.
     Other supporting documents
    Mandatory for all applicants:
    1. 100 point ID is mandatory for all applicants and guarantors for the loan.
    2. Asset and liability for need to be signed by all applicants.
    3. Most up to date council rates need to be provided for all properties.

    Refinance:

    1. Most recent 6 months mortgage statements for all mortgages being refinanced.
    2. Most recent statements for other mortgages.
    Debt consolidation:
    Ifany other loans are consolidating client need to provide up to 6 months statement for secured or unsecured debts depending on the lender.
    Lender may ask for extra documents during the assessment process depending on the strength of the application.
    Please submit an inquiry to commence free assessment for ex bankrupt home loans.

    ValuationLenders operate independent valuation of the offered secuirty. Bank loans usually offer first valuation for free. For non bank loans valuation is done at cost quoted to the client.
    Upfront valuation is also available at client cost.

    More about Ex bankrupt home loans :


    Ex bankrupt home loans are only available through non bank private lenders. Bank does not offer any ex bankrupt home loans until the bankruptcy is completely removed from the client credit file. As a result ex bankrupt home loan is always critical for assessment criterion set by different lenders. If client is looking for debt consolidation they will have to select the right lender and product to pay off all possible dents and get benefited from ex bankrupt home loans. Different lender offer different amount of loan in different LVR depending on location of the property. Some lender will only accept only metropolitan properties for client with recent bankruptcy history. Other credit impairments also need to be assessed before selecting the right lender and product suitable for ex bankrupt home loan. Getting cash out with a ex bankrupt home loan always limited by lending policy will required documentary evidence in most cases. Lender can restrict the cash out amount to maximum 10% of the loan amount or maximum $50k depending on LVR and documentation of the loan. We can offer unlimited amount of cash out under certain full doc, low doc and no doc products. Ex bankrupt home loans can assure suitable short term solution to recover from current financial situation and plan to get into better home loan options in future.

    Our track records for Ex bankrupt home loans :


    The finance group have been helping clients in different states in Australia for past 7 years to obtain Ex bankrupt home loans. We have numerous clients in Sydney, Melbourne, Brisbane, Adelaide, Perth and all other state and Territories of Australia. We have resolved critical and complex financial needs of our client offering them Ex bankrupt home loans. Clients are happy with our service because we have access to wide range of lenders for Ex bankrupt home loans and we give clients all alternative options they have, before they make an educated decision to obtain Ex bankrupt home loans.

    From our experience we can advice that Ex bankrupt home loans are most suitable solution for some clients according to their present financial situation and loan requirements. As we have access to 10 different private lenders for Ex bankrupt home loans we always make sure clients get the best possible rate with minimum cost for finance. We also take full responsibility to assess and process the application and minimize all risks to get your Ex bankrupt home loans application declined. As a result we have achieved 99% approval rate for all type of mortgages.

    Sometimes short term mortgages are suitable solution for some clients other than doing long term Ex bankrupt home loans. We also have access to numerous private funds to have short term mortgage solutions when it is necessary to become eligible to obtain long term Ex bankrupt home loans in future.

    Whatsoever is your financial situation, whatsoever is your loan requirements we request please submit an inquiry to commence a free assessment process for ex bankrupt home loans..