Ex Bankrupt Home Loans

We approve ex bankrupt applicants with a home loan purchase or home loan refinance. 

If you are looking to purchase or refinance a home or investment property, and have been out of your past bankruptcy for a minimum of 3 months, we may be able to help you.


Here is what you can do to qualify for an ex bankrupt home loan:

  • The most important thing to remember is that your bankruptcy must be discharged. If you are still in the process, no home loan lender will be able to help you.

  • Get your credit report in order. After bankruptcy, you know what your obligations are. There are no more unknowns. If there are debts that have been paid back but still appear on your report, you must contact the credit agency and have them corrected. While you're at it, you should check for other mistakes on your credit report and have those corrected as well. 


The best way to get that credit score back in order after a bankruptcy is to prove to creditors and other lenders that you can be trusted to pay back the money you owe them. 

Just remember to pay your bills on time and save some money for any required deposit.

When applying for an ex bankrupt home loan, make sure you are prepared, before you apply.

The big considerations are, have you got stable income (employment)?, have you managed to save a deposit?, Have you been good with any credit since bankruptcy?, Can you afford the new home loan repayments? and most of all, have you learnt your lesson, and won't be going bankrupt again any time soon.?

Generally speaking, you will have to wait until you are at least 3 months out of bankruptcy until you can apply for a ex bankrupt home loan. If you are already a homeowner, then the 3 month wait will not be applicable to you and you can apply for a refinance or debt consolidation now.

Please feel free to speak to us on 1800223273 or apply now online.