Refinance your mortgage with bad credit — reduce repayments and improve cashflow
Looking for a bad credit home loan or considering a bad credit mortgage refinance?
We can help you refinance your current mortgage, even if some banks have said no. With over 30 years of experience, our mortgage brokers understand how to structure bad credit home loan solutions that suit your individual situation.
In many cases, it’s not that there are no options — it’s about finding the right lender and approach.
Refinance a Home Loan With Bad Credit
Our team works with more than 40 lenders, including those offering low credit home loan refinance and poor credit home loan refinancing solutions. This allows us to explore options that may reduce repayments, consolidate debts and improve your cashflow.
Bad Credit Home Loan Options That May Work for You
A tailored bad credit home loan refinance may help you bring everything together into one manageable loan and put you in a stronger position over time.
We also recommend a regular review of your home loan. A refinance home loan with bad credit at the right time can help reduce your rate, access equity or improve your overall financial position.
Complete the form below or call us on 1300 652 842 for a friendly chat.
- No face to face appointment required
- Apply over the phone or online
- Options? We work with over 40 lenders!
- Location? We operate Australia wide!
- Solutions? Good credit or bad credit – we can help!
- Income? All incomes, even self-employed!
- Refinance mortgage to consolidate debt
- Home loan in arrears? Refinance to consolidate.
Why WhiteStar?
Over 500 Happy Customers
We are proud to share that we have over 500 happy customers who trust our services. Their satisfaction and loyalty are a testament to the quality and reliability we strive to deliver every day.
Over 30 Years Experience
With over 30 years of experience in helping customers secure better home loans, we have honed our expertise and built a solid reputation for excellence. Our deep understanding of the industry and commitment to personalized service ensures that each client receives the best possible support.
Apply on the Phone
Applying for a home loan has never been easier with our over-the-phone application service. Our dedicated brokers ensure a quick turnaround time, providing you with prompt and efficient assistance throughout the process.
Complete the form below
Don’t stress, completing this form won’t affect your credit file.
FAQ’S
We specialise in bad credit home loan and bad credit mortgage refinance solutions, working with over 40 lenders to find options that suit your situation.
Our results are reflected in our case studies and reviews, where clients have moved forward after being declined elsewhere.
Sometimes the first step is a poor credit home loan refinancing solution to stabilise things — with a plan to move to a more affordable loan over time if it suits.
Bad credit generally refers to a lower credit score or a history of missed repayments, defaults or higher levels of debt.
A bad credit home loan is a type of loan designed for borrowers in this situation. Some lenders offer more flexible criteria, assessing your income, equity and ability to repay rather than just your credit history.
Yes, a refinance home loan with bad credit may be possible. A bad credit mortgage refinance can help reduce repayments, consolidate debts or improve cashflow, depending on your current loan, income and equity position.
Have you had late or missed payments on your mortgage? Over limits on credit cards? Late or missed payments on personal or car loans? A bank may say no based on poor conduct on current debts. This could have been because you were juggling and it was hard, it could be because there was a misunderstanding. Whatever the reason, it does need to be talked about. A good explanation is crucial to being able to help when there are missed or late payments on debts. A WhiteStar mortgage broker will discuss what has been going on with your payments, then with their experience, they will review your situation to find the home loan solution for you. The most important recommendation we can make is do not ignore these problems. Get onto them early so you can understand what your options are. The longer you struggle the harder it can be to fix it. Our team is non-judgmental, friendly and confidential.
Poor credit home loan refinancing refers to refinancing your existing mortgage when your credit history is not perfect. This can include missed payments, defaults or higher levels of debt, and may involve specialist lenders with more flexible criteria.
It can. A well-structured bad credit home loan refinance may help you stabilise your finances, meet repayments more comfortably and position yourself for more competitive options down the track.
Yes, in many cases you may still be able to refinance a home loan with bad credit, even if you’ve missed repayments. Some lenders consider your overall situation, including income, equity and recent repayment history, rather than just past issues. An experienced broker can make the difference between a Yes and a No
Every situation is different, but we regularly help clients improve their cashflow by hundreds — and sometimes thousands — per month.
For example, many clients come to us juggling multiple debts, and after restructuring, they’re left with a much more manageable single repayment.
Once we review your current loans, debts, and income, we can give you a clear breakdown of:
- potential savings
- costs involved
- and whether it’s worth doing
Find the loan solution
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All applications are subject to lending criteria.
We have staff working during the holiday period to process applications; however, minor delays may occur. Don’t wait to make an enquiry.