Local Mortgage Brokers who understand your different circumstances & work with you to get the right loan.

We Can Help With;

Bad Credit History, Defaults or Discharged Bankrupt

Self Employed or Short Term Employed

Fluctuating Income or Non Standard Income

Tax Debt or Large Debt Consolidation

No Deposit or Non Genuine Savings

Complex Financial Circumstances

Previously Had a Loan Declined

Free Service

Have a Chat With Us Today

Call us today (02) 8859 0215

or click the chat icon on the bottom left to live chat directly with a Broker

If your current circumstances don’t meet standard lending criteria, that doesn’t mean you can’t get a home loan at reasonable rates with a reputable lender.


We understand not everyone fits the same mould and our specialist Non-Conforming Brokers are here to help. We’ll look at your specific circumstances & provide you with a range of home loan options to consider. We work with many lenders who have flexible lending criteria and we won’t submit your loan with them until we are confident it will be approved.


Borrow up to 95% for non-conforming loans and 100% for prime home loans

bad credit home loans

  • Our service to you is completely cost and obligation free as the Lenders pay us
  • We work with a wide range of standard & specialist lenders who do not credit score
  • We compare non-conforming loans with low rates and flexible lending criteria
  • We consider your individual circumstances to find the right loan for you
  • We create a long term plan to get you back into a conforming loan in the future
  • We assemble your application and liaise with the lender on your behalf
  • We ensure fast loan turn around time with the best chance of approval
  • We come to you, day or night, at your work or in your own home
Get a Free Home Loan Review Now

Call us today (02) 8859 0215

We compare Australia’s leading lenders, both standard and
non-conforming, with a choice of hundreds of home loan products

How we’ll get the right loan for you


    We will conduct a 5 minute loan needs review over the phone. We’ll look at your current financial situation and get a clear idea of what your credit issues and your lending needs are.


    We’ll provide you with a free copy of your current credit file


    We’ll calculate your borrowing power and let you know how much you will be able to borrow


    We’ll compare all the options from Australia’s leading lenders specialising in non conforming home loans to find the right loans for your circumstances.


    We’ll give you all your options and explain the pros & cons as well as the different lenders requirements and the terms and conditions of the loans available.


    If you want to go ahead with an application, we’ll come to you, day or night, to go over the application and answer all your questions


    We’ll assemble the application and liaise with the lender on your behalf to get the application approved as quickly as possible.


    Once your application is approved, we’ll help you understand the contracts and get everything ready for settlement


    We’ll keep in touch with you on a regular basis, in the months and years after your loan has settled, to meet the long term plan of getting you back into a standard loan and ensuring you are not paying any more than you need to.

Get a Free Home Loan Review Now

Call us today (02) 8859 0215

Why choose us for finding you a home loan?

  • We have a higher than average loan approval rate because we know how to structure complicated applications for the best chance of approval with the right lenders
  • We are a local family owned business so we understand the needs and challenges of your family finances
  • We will assign you with your own personal Mortgage Broker who is available to you outside of normal business hours and will be happy to come to you, in your own home
  • We have great relationships with all the specialist lenders because of the large amount of non conforming / bad credit home loans we process
  • The majority of our customers are repeat clients or referrals of previous customers who were impressed with our service and have recommended us to their family and friends
  • We provide honest, financial advice and have established a reputation as local Mortgage Brokers with outstanding integrity and professionalism

Don’t take our word for it, see what our customers have to say.

  • I couldn’t give a more resounding recommendation

    Contacting Assured Lending Mortgage Brokers turned out to be the best decision we could make. We’d been previously dealing with another mortgage broker and were having a nightmare of a time. Communication was bad and our application was declined. We then called Assured Lending & the Broker was amazing. He worked with us throughout, considering all our options, was prompt with his contact and most importantly, got us approval for our loan in a really fast time frame! I couldn’t give a more resounding recommendation for Assured. If you need a broker – save yourself the pain and just give them a try.

    Andrew McLaren
  • 101% service – I haven’t had better service for many years.

    From the very beginning, my Mortgage Broker from Assured Lending took away all the stress, looked after all my needs and did the hard work for me. I was so grateful that the broker came to me & when ever I had questions or needed help, he was so wonderful, he even helped me dealing with the builder and the accountant. He made it all very easy. 101% service – I haven’t experienced better customer service for many years. Thank you from the bottom of my heart.

    Cirilo Malonzo
  • Without their help, I don’t believe our loan would have been approved

    I can’t believe how quickly and easily Assured Lending got our home loan approved. Their Mortgage Brokers really understand complex finances and we couldn’t be happier with the service or the outcome. The loan we ended up getting was at a great interest rate with one of the major lenders. They came to our house after work, gave us a lot of options, explained everything and put the application together for us. They advised us on which lenders would be more flexible with our specific financial situation and without their help, I don’t believe our loan would have been approved . They are a great company who deliver a fantastic service and I would highly recommend them.

    Tania Daley