Credit Problems
Have Credit Problems?
Is your credit history a bit of a mess? Have you put the problem behind you, but need to access a lender that understands that life happens? Resi will takes the time to understand even if you:
- Have a weak credit score
- Have been through bankruptcy
- Have defaults on your record
- Are behind on your mortgage
If this sounds like you contact your broker to find out more about a Resi home loan solution.
Why Choose Resi?
Whatever your circumstances, we try to help!
- Wide range of home loan options
- Borrow up to 95% of the property value **
- Borrow up to $3 million **
- Self Employed Solutions
- Quick response times
- Easy application process
**conditions apply
Resi Simple Calculators…
Home loan solutions for all...
Resi beleives everyone should have a chance. That's why we provide a wide range of home loan solutions to help borrowers, even when the banks won't.
Frequently
Asked Questions!
What type of loans does Resi offer?
Resi offers a variety of Residential Home loans to suit your needs. Whether you are in the market for a new home, Investment loan, or paying out part of your business loan, refinancing or debt consolidation, Resi can work with you to find a product that fits your circumstances. We have a variety of flexible products to help borrowers achieve their dreams.
Whether you are a borrower with a clean credit track record looking for best in the industry rates, are self-employed or a small business owner looking for a loan with minimal down payment options we are confident of providing you a solution that will precisely address the challenge you are facing.
What are the fees and charges applicable?
Resi try to offer the most competitively priced home loans in the market and that includes keeping our fees as low as possible. Fees and charges are disclosed upon selection of the loan product and are unique to your circumstances.
Does Resi have redraw or offset account available?
Absolutely! Resi has both options on offer. More information on these items can be obtained by visiting the relevant product information section within the site.
I’m Self Employed with no financials completed. Can I get a home loan?
Resi specialises in offering Home Loans to the self-employed. We offer quite a few different ways for you to prove your income using most recent tax returns, BAS statements, business bank statements or simply by providing an Accountants Letter to confirm your income.
Is it possible to get a home loan with bad credit?
We understand that each customer is unique. While most lenders take a digitalised approach to processing large application volumes and allowing a computer to decide on your application, Resi asses each case based on individual merits and consequently suggest a solution that specifically works best for a borrower’s current situation.
How Much can I borrow?
This depends on your total income, expenses, current levels of debt and your credit history. By using our Home loan calculator you can estimate the amount you can borrow. It's quick and easy.
Can Resi help me apply for a loan?
When it comes time to apply for a loan, seeking the services of one of Resi’ Accredited Mortgage brokers or using the services of our internal loan specialists is a great place to start. When the time comes to apply for a loan, many borrowers are confused by the different options available and overwhelmed by the paperwork and requirements. So, we are here to help – click here and someone will be in touch with you to discuss the next steps.