Bad Credit Home Loan Solutions
Non-Bank Lenders
These lenders specialise in helping borrowers who don’t meet standard bank criteria. They assess your full financial picture, not just your credit score.
Specialist Mortgage Brokers
At Lemon Tree Finance, we have the expertise and lender relationships to find solutions for clients with complex credit profiles.
Higher Deposit Requirements
A deposit of 20–30% significantly increases your approval chances and may help reduce the interest rate offered.
Credit Issues That Can Still Be Considered
We’ve helped clients secure home loans after facing:
Missed or Late Payments
Including personal loans, credit cards, or utility bills.
Business Failures
If you’ve had a company liquidated or become insolvent in the past.
Discharged Bankruptcy
Once your bankruptcy is officially discharged, you may be eligible for a loan with certain non-bank lenders.
Court Judgments & Defaults
Provided the debt is settled and time has passed since the judgment, lenders may still consider your application.
What to expect
Higher Interest Rates Initially
Expect rates above standard bank rates, depending on the severity of your credit issues.
Opportunity to Refinance
Many clients refinance to better rates in 12–24 months once their credit improves and repayments are made consistently.
Comprehensive Assessment
We'll help you gather supporting documents, explain your credit history clearly, and present a strong case to lenders.
How Lemon Tree Finance can help
If you've been told “no” by a bank, that doesn’t mean the end of the road. Let’s have a confidential chat and explore your options. At Lemon Tree Finance, we don’t just look at your past—we focus on your future potential.
We:
· Work with non-bank and specialist lenders who understand real-life financial setbacks
· Structure your application for maximum success
· Offer a long-term plan, including refinancing options when your credit improves
· Guide you with honesty and transparency every step of the way
