Bad Credit Home Loan Options for Australians

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Experienced Mortgage Brokers Helping You Explore What’s Possible

Have you been told “no” by the bank due to bad credit or a low credit score? You’re not alone — and there may still be options available. At WhiteStar Finance, we help everyday Australians access a bad credit home loan by working with lenders who understand more complex situations.

Why Work With WhiteStar?

If the bank said no, it doesn’t always mean you’re out of options. The difference is often not the loan — it’s the approach.

At WhiteStar Finance, we:

Work in your best interest (banks don’t have to)
Compare multiple lenders — not just one
Understand how different lenders assess home loans with bad credit
Know how to present your situation correctly
Support you from enquiry through to approval

We’re not just focused on “bad credit loans” — we focus on finding the right solution for your situation.

If your credit’s not perfect, we’re here to help you move forward.

You Might Have More Options Than You Think

Many people come to WhiteStar thinking they need a bad credit home loan and that their options are limited.

In many cases, once we understand the full background, we’re able to help secure a standard home loan — simply by matching the right lender and approach to the situation.

Just because your credit score is low doesn’t always mean you’re out of options.

Before making multiple applications, it’s worth speaking with a broker who understands poor credit home loan options and how lenders assess each scenario.

Depending on your situation, this may include a bad credit home loan refinance or a refinance home loan with bad credit, helping you improve your position over time.

Disclaimer: All applications are subject to a client interview, verification of documents and lending criteria.

Let’s See What’s Possible Check Our Case Studies

Our reviews speak for themselves, and we’re here to help you understand your options before you apply.

Our job is to show you what’s possible.
Your job is to decide what’s right for you.

Complete the form or call 1300 652 842 for a friendly chat.

Our Clients Say

Best brokers and service!Whitestar have been so easy to deal with, they did everything for me and kept me informed along the way! Smooth and easy process from start to finish - Can’t praise them enough

Amazing Service – Kelly Flight has been amazing. She has been so patient, no matter what scenario we wanted to explore, Kelly was happy to look into our options. Her response times were more than reasonable and she always had a friendly attitude. Recently I also had some dealings with Katerina Szabo, and she was just as friendly and willing to answer questions. I would recommend these 2 to anyone, and will certainly use this service again when needed. Thanks for making this process so easy. Your both amazing.

Maria was sensational. Wealth of knowledge and understood my needs. the addition of Katerina made the process even smoother. from the beginning to the unconditional approval the communication was excellent

WhiteStar was an amazing support for us in securing our first home. Marina and Liz were there for us the whole way through and we could trust in their flexibility and knowledge to answer just about any question we had. They came highly recommended to us and we will certainly recommend their services to anyone looking to do anything in relation to their mortgage

Maria at Whitestar turned out to be our saviour! We were able to get our mortgage refinanced when all other banks had turned us down. Maria guided us at every step in getting our loan application approved and was extremely helpful and kind.

We used WhiteStar for both Conveyancing and Financing on our first home purchase. Liz was great to work with for Conveyancing. She patiently explained everything we needed to know and quickly answered any questions we had. Other brokers had failed to understand our financial position, but Kelly "got it" straight away and knew exactly which lenders to contact. Everybody we spoke with at WhiteStar was professional and helpful.

I highly recommend WhiteStar for their exceptional service and knowledge in the industry. Shout out to both my mortgage broker, Maria and Liz my conveyancer for being there the whole way and helping me get my house!

We dealt with WhiteStar for the loan and conveyancing on our house. Kelly, Liz & Katerina were beyond amazing to deal with. Each of them were so friendly, quick to respond to any queries we had, and broke down the technical jargon into language we could understand. They made everything so easy. We'd use them again in a heartbeat

Liz helped us buy and sell our investment property. Everything went smoothly and her professionalism was outstanding. If we do buy again, I will be using her as my Conveyancer

My experience was excellent Kelly was very efficient, her work is outstanding she was also very easy to talk to and always kept me updated I would highly recommend Kelly to family and friends Thanks Kelly very happy customer Carmel

The miracle mortgage – Before we use Whitestar, we went to our bank and three mortgage brokers and they couldn’t help us, they went out of their way to find us the best deal and the exact money we needed to borrow to get the property we appreciate their hard work and dedication

Great communication, super helpful and friendly – Maria and her team have made the entire process so much easier and less daunting for us!! From navigating bad debt to refinancing again to a lower interest rate. By using short term goals we have been able to refinance, clear debt and refinance again to a new lender with an interest lower than our first. It’s been a huge relief and has allowed us to see our future goals of wanting to invest come to fruition. I’d highly recommend WhiteStar to everyone, even if you don’t feel like you can be helped they will find a way!! Thank you again Maria & team ♥️

Both myself and my partner were assisted by Kellie at Whitestar. What a positive experience we both had, Kellie kept us fully informed and up to date at all times and a huge thanks to Kellie and the team as we are now both settled in our beautiful home

Fantastic stress free morgage refinance – Maria and Kat were so helpful. This was first time ever using a broker and I was so nervous. But these two wonderful people took me through everything in such an organised professional manner. My worries went right out the window with our first conversation. From that point on, I had no stress and not one worry. I would recommend using this broker service and in particular Maria and Kat to anyone and everyone. I cannot thank them both enough. Going forward, I will never use any other company. Many many thanks from one very very grateful and satisfied customer.

helped me achieve success even in unfavourable circumstances! The Team was super friendly and helpful 😁 Whitestar were fundamental in helping me navigate the Loans Process and provided me with extremely Successful conveyancing and follow up assistance!

We highly recommend Maria and Katarina who were outstanding in the friendly and professional service they provided from beginning to end and even now continue to offer assistance in any way they can. Thank you Whitestar!

This is the second time I have used Liz of WhiteStar for my conveyancing needs. As previously, she has done a magnificent job for me. She is highly efficient, communicates well with updates and explanations where required, and is always friendly and accommodating. And she knows her stuff! I highly recommend her to anyone who is undertaking a property purchase and/or sale.

Maria L and Katerina S provided excellent customer service, advice and gritted determination to achieve the very best results for our refinancing. Communication and the flow of information was exceptional throughout our refinancing journey which made it feel seamless. Maria’s wealth of knowledge on various home loan products, the structuring of the loan to suit, must be noted here as nothing short of excellent. Not only did we manage to re finance successfully but also secured an excellent rate in very challenging times. We thank you and highly recommend WhiteStar Group.

Worth every cent!We were very happy with Liz, our Conveyancer. She was knowledgeable, highly responsive and on the ball at all stages, which made the process of buying our property super smooth and effortless (as much as buying a property can be). I can confidently recommend Liz (& Whitestar) to anyone looking for a good conveyancer who knows their stuff, she's worth every cent for the peace of mind!

The perfect support! – My partner and I are first home buyers and knew next to nothing about the process. Dealing with WhiteStar, specifically Marina and Liz, made an otherwise quite stressful process easy to understand and manage. We feel very happy with the loan and bank we went with and were able to raise any questions at just about any day or time.

Great team – Couldn’t be happier with the outcome we had when using the team at white star. As first home buyers, Maria was great at knowing exactly what we could do and how to get it. The whole team was great at answering any questions we had and made the whole process smooth

I am astounded at how hard Maria Lyons and Kelly Flight had to work to get me this loan. Being in a small country town where most banks wouldn't touch it. They jumped through all the hoops and never gave up hope even when it seemed like a lost cause. I am so grateful to these 2. Their positivity held me together in this truly stressful time. The whole team at Whitestar were amazing super friendly admin, Shelly was always so helpful, bright and cheerful. Thanks everyone 5 stars. I am stoked with my new home.

Best staff! Great staff and communication from the beginning right through to the end. They went the extra mile for sure to get our purchased settled.

The team at Whitestar are incredible, efficient, proactive and informative. Thank you Kelly Flight, Elizabeth Alexander and Katerina Szabo an absolute pleasure doing business with you.

I wish I could give Eric K. and Kat S. TEN stars. These Guys have helped me to make the whole process of consolidating my debt and refinancing my mortgage soo pleasant and easy, despite a couple of initial hiccups. I highly highly recommend! Cannot say enough good things here

Maria and Kat were so helpful. This was first time ever using a broker and I was so nervous. But these two wonderful people took me through everything in such an organised professional manner. My worries went right out the window with our first conversation. From that point on, I had no stress and not one worry. I would recommend using this broker service and in particular Maria and Kat to anyone and everyone. I cannot thank them both enough. Going forward, I will never use any other company. Many many many thanks from one very very grateful and satisfied customer.

This was a very good experience to deal with a professional team especially Eric Kusno, well spoken and very clear professional broker to his expertise figures on home loans and well spoken Katrina Szabo, who strives on professional service and nothing is a problem and the office staff it was the best service I have ever had .Thanks a million guys.

Refinancing our homeloan – The whole process has been really good, very efficient and it looks like we'll be done within 3x weeks. My Wife & are both very impressed by the service

Thoroughly recommend Whitestar & in particular Kelly. The whole process of refinancing our home loan was easy from start to finish. Kelly gave great advice & fully informed us of all options allowing us to choose the best loan available with the best rate. We were kept informed throughout the whole process & was very happy with how quickly the loan was arranged & approved. Thanks Kelly & Whitestar

Over coming the odds – I am astounded at how hard Maria Lyons and Kelly Flight had to work to get me this loan. Being in a small country town where most banks wouldn't touch it. They jumped through all the hoops and never gave up hope even when it seemed like a lost cause. I am so grateful to these 2. Their positivity held me together in this truly stressful time. The whole team at whitestar were amazing super friendly admin, Shelly was always so helpful, bright and cheerful. Thanks everyone 5 stars. I am stoked with my new home.

I can’t speak highly enough of the level of service, attention to detail and commitment from Maria and WhiteStar team in assisting me in obtaining loan approval from my preferred lender, all at a very competitive rate and under pressing circumstances! They were fully invested in ensuring I achieved my goal and secured my dream property. Thank you Maria, Katerina and the team!

Eric, Liz, Katerina and the team at WhiteStar were fantastic in guiding me through my first home buying experience. The team were extremely helpful answering any questions and ensuring I was well informed all steps of way. Thank you for all your help and support.

Home loan and new construction – The team at whitestar are incredible, efficient, proactive and informative. Thank you Kelly Flight, Elizabeth Alexander and Katerina Szabo an absolute pleasure doing business with you. Kindest regards Kirsty & Paul