Credit History


Clear Defaults


Mortgage Arrears


Payout ATO Debt


Up To $3M*

Bad Credit Home Loans For A Fresh Start

Sometimes life can throw the unexpected your way and things just don’t go according to plan – leaving you with a bad credit rating.

With Auto Link Finance you don’t need to worry about your credit history holding you back. Our home loans help you rethink your current financial circumstances and lets you take the next step forward.

You don’t live in the past, and neither do we. Speak to one of our bad credit home loan specialists and we can help you get things moving in the right direction.

Did You Know?

Even with a less than perfect credit history including paid or unpaid defaults, mortgage arrears and bankruptcy, we can work with you to find a great home loan solution.

How Do I Know If I Have A Bad Credit?

If you are unsure of your credit history, get in contact with a credit reporting agency like Equifax, Dunn & Bradstreet or Experian for a free copy of your credit report.

This report includes much of the information that counts towards a poor credit score including number and type of loan enquiries, type of credit providers, unpaid debts and credit infringements.

Should I Be Upfront That I Have Bad Credit?

Even though we do look at your credit report, if you know you have poor credit, you should tell us. If you let us know, then we can make sure to go over your options with the current lender to begin with, that will listen to your full story and consider your application even with a lower credit score.

If you know you have bad credit and need a home loan, talk to one of our bad credit home loan specialists today to discuss your options further.

What Can Cause Bad Credit?

When it comes to applying for a loan, most lenders consider an applicant to have bad credit if they are behind in existing loan repayments or have a poor credit report. A poor credit report can be caused by many factors. For example, not paying or late payments on a utilities bill, can lead to an unpaid account listed as a default.

Similarly, applying for multiple loans with different lenders within a short timeframe can reduce the credit score on your report. If you have poor credit and are interested in our home loans to help repair bad credit, speak to us today.

What Are My Options If I Have Bad Credit?

Auto Link Finance has a range of home loans to suit different borrowers and help repair bad credit. In fact, the home loans we have available are flexible and can adjust over time to reflect improving circumstances.

At Auto Link Finance we look at a person’s whole story so we can understand the circumstance of your financial history.

What Does Having Bad Credit Mean?

Having bad credit often refers to there being a default listed on your credit report. This affects your credit score and can make you appear riskier to some lenders, making it difficult to be approved for finance.

Auto Link Finance home loans can provide the flexibility borrowers may need to rethink their current financial situation and take a step forward.

Ready To Apply?

#Quoted rates apply to principal and interest loans. Depending on your circumstances, loan features may vary. Other loan variables may also be used to determine the most appropriate rate for your circumstances. Approved applicants only. Lending criteria applies. *Subject to LVR restrictions. **Interest Only loans are subject to LVR restrictions and interest rates are higher than the advertised interest rates but for further information on this product contact us on 1300 982 279. ***$495 fee applies for loans with more than 4 splits. ****Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥3 properties. ^Other fees and charges may apply. Contact us on 1300 982 279 for more information on fees and charges. ^^Additional valuation expenses may be payable where the anticipated security property value is >$1.5m, where the security property is in a regional location or for additional securities.

About Us

Auto Link Finance is a well-established financial intermediary (credit assistance provider) family business with over 30 years’ experience in the finance industry, providing everyday Australians with a full range of finance and insurance products.

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