Review before applying
Understand your credit file, current commitments and the explanation behind past events.
Your history is context, not your whole story
Start with an honest conversation about the path forward.
Past credit issues can narrow lending options, but circumstances and lender policies differ. We help you understand what may be realistic now and what could strengthen a future application.
A careful assessment before another application.
Missed payments, defaults or a difficult period do not all tell the same story. We begin by understanding what happened, what has changed and how your current finances are being managed. That context helps determine whether an application is appropriate or whether preparation should come first.
Where a suitable specialist pathway exists, we explain the potential rates, fees, deposit requirements and limitations clearly. We also aim to minimise unnecessary applications, because repeated credit enquiries can make the position harder.
How we help
Advice shaped around the decision—not a product shelf.
Set realistic expectations
See the potential costs and criteria of specialist lending before deciding to proceed.
Create a next-step plan
If now is not the right time, identify practical preparation that may improve future options.
Prepare for the conversation
A few useful things to have nearby.
You do not need a perfect folder before contacting us. These details simply help us understand the position sooner.
- A current credit report if available
- Details of past credit events
- Evidence of changed circumstances
- Current income and commitments
- Deposit and recent savings history
Questions, answered
What people often ask about credit impaired.
These are general answers. Your own options depend on your circumstances and lender assessment.
Does bad credit mean I cannot get a home loan?
Not automatically, but it can affect lender choice, pricing and deposit requirements. The nature, age and explanation of the issue all matter.
Should I apply to several lenders to see who says yes?
Usually not. Multiple applications can create additional credit enquiries. A targeted assessment before applying is generally more helpful.
Can Loan Base repair my credit file?
We do not promise credit repair. We can help you understand lending implications and suggest when independent credit or financial counselling may be useful.
A clearer next step