Adverse Credit (Specialist) home loans

Life can sometimes throw up challenges that cause people to struggle financially. This doesn't mean there aren't home loan options for you if your past history is less than perfect. We have home loans that take your situation into consideration and can help you move on with your life.
  • No monthly or annual fees

  • For loans up to a maximum of $1.5m

  • Weekly, fortnightly or monthly payment reschedule

  • Online account access

  • Interest rate reductions based on satisfactory repayments

  • Customer benefits program with discounts on goods and services

Not all features available on all products. Please refer to product specs for additional information.

Wide range of home loan solutions

See if you qualify in less than 2 minutes.

Key features of a Adverse Clear home loan

  • We ignore defaults and judgements listed for less than $1,000, defaults
    and judgements listed as paid for more than 2 years
  • We accept discharged bankrupt borrowers
  • Cash out available for a range of purposes, including business use and
    payment of tax debts
  • Unlimited number of debts being consolidated to 80% LVR    

Key features of Adverse Plus and Assist home loans

  • We ignore defaults and judgements listed for less than $1,000, defaults
    and judgements listed as paid for more than 2 years
  • We accept discharged bankrupt borrowers
  • Cash out available for a range of purposes, including business use and
    payment of tax debts
  • Unlimited number of debts being consolidated to 80% LVR
  • We accept unlimited mortgage arrears and unlimited defaults
    and judgements

Not all features available on all products. Please refer to product specs for additional information.

Adverse Credit Rates

  • Adverse Full Doc Rates
  • Adverse Alt Doc Rates
Adverse Full Doc Clear Plus Assist
Under 60% LVR 4.99%pa 5.94%pa 6.04%pa
60-65% LVR 5.09%pa 6.04%pa 6.24%pa
65-70% LVR 5.19%pa 6.19%pa 6.49%pa
70-75% LVR 5.29%pa 6.39%pa 6.79%pa
75-80% LVR 5.59%pa 7.24%pa 7.69%pa
80-85% LVR 7.72%pa 8.91%pa 9.31%pa
85-90% LVR 7.82%pa 9.01%pa 9.41%pa
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Adverse Alt Doc Clear Plus Assist
Under 60% LVR 5.39%pa 6.04%pa 6.14%pa
60-65% LVR 5.49%pa 6.24%pa 6.44%pa
65-70% LVR 5.59%pa 6.49%pa 6.79%pa
70-75% LVR 5.69%pa 6.79%pa 7.19%pa
75-80% LVR 5.74%pa 7.69%pa 8.14%pa
80-85% LVR 8.30%pa 9.66%pa 10.36%pa
85-90% LVR 8.40%pa 9.76%pa 10.46%pa
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All advertised interest rates are available for new eligible loans and are subject to change. Your interest rate may differ depending on borrower category, security use and how much you borrow relative to the value of your property. Terms and conditions apply to all loan features. Final approval is subject to credit assessment. Application fee of $0. Valuation fee is at the cost of the valuation. Annual fee $0. Settlement fee $475. Discharge fee $495.

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