Buyer or Refinancing?
fall into one of these categories?
Separation- Payout of Partner, Starting Over, going at it alone.
or No deposit saved towards purchase
-Your Deposit or Savings evidence not satisfactory to your bank
-No records of savings over 6 month period
-Need to borrow up to 100% of purchase price
-Low income, or in receipt of Government benefits, Workcover etc.
-Casual or Part-Time Employment, 2nd Job, Commission or bonus based
income, Short-Term or Instability in employment.
-Impaired Credit Rating, Defaults, Judgements, Arrears or Late Payments.
-Bankruptcy, Liquidation or Scheme of arrangement
-Self Employed, recently commenced with no financials yet completed,
low taxable income (or declared losses), changes in business structure,
difficult to verify income, or some other reason
-High level of borrowings/debt servicing ratio. Too many loans/cards
in any type of Real Estate- but still can't get a loan.
-Many other seemingly restrictive or unreasonable limitations.
and many more situations
may be circumstances where we can
assist with your finance.