Credit Impaired Loans

Credit history problems are more common than most people realise, and the mainstream lenders' automated systems can decline an application before a human ever looks at it. Specialist lenders take a different approach: they assess the circumstances behind the blemish, how long ago it was, and how you've managed credit since.

What's possible depends on the specifics — the type of listing, its age, and whether it's been paid or remains outstanding. Recent serious defaults are harder to place than a single two-year-old missed payment, and we'll be straight with you about which category you're in.

Rebuilding takes time, but there is often a workable path now rather than waiting years. Where the timing isn't right, we'll tell you exactly what to do and when to come back.