Bad Credit Home Loans

Helping you to get a second chance

At Rapid Finance, we believe in giving Australians a second chance. We specialise in tailoring loans to suit individual circumstances. So, we may be able to help you, even if you have a poor credit history. We offer:

  • Finance tailored to your situation
  • Fast application process over the phone
  • Options to refinance your home loan
  • Bad credit home loan specialists

Simplify your home finance in 3 steps

Free Finance Assessment

Over 13 years bad credit experience

Based on the answers provided we need more information. Please apply directly online. Application takes about 5 minutes.

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What is a bad credit home loan?

Bad credit home loans provide home finance for individuals who have had applications declined by lenders due to circumstances involving credit defaults, bankruptcy, part IX debt agreements and other issues associated with poor credit histories.

Refinance and make your greatest asset work for you

Consolidate your debt by refinancing your home and you could save thousands!

We've been helping Australians meet their commitments and improve their credit history, with cash to spare, for more than a decade. As refinancing specialists, we find packages that suit you and your family's personal circumstances.

Why Rapid Finance?


Home Loan Calculator

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Please note: This is an estimate provided for illustrative purposes only, and is based on the accuracy of information provided. It does not constitute a quote. Additional fees and charges may apply dependent on your individual circumstances. Fees, such as early repayment costs and establishment fees, are not accounted for in the examples of weekly repayments. Interest rates may be subject to change throughout the term of the loan.

Free Credit Check

Let us check your credit score. It's free!

Find out your chances for loan success with a free credit check. It's fast and easy, and it won't affect your credit rating. Request your score today.

Get free credit check

Real people, real finance, real fast.

View Our Full Range of Home Loans.

Rapid Resources

Top Six Tips on How to Finance a Home with Bad Credit

Getting a home loan when you have a less than perfect credit history is not easy. But it’s not impossible. And if you know what to prioritise and what’s not as important, you may already be only a few easy steps away from your first home.

Read more

What will my home loan repayments be?

Unsure of how much your home loan repayments will be? Get an estimate of your home loan repayment costs with our mortgage repayment calculator. It's fast and easy to use.

Read more

Frequently Asked Questions

Have more questions about bad credit home loans? Call the team on 1300 467 274 and we'll be happy to help.

What our customers say

16 August

Honest and a great experience

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16 August

10 out of 10

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3 August

Great, helpful people. Couldn't have done anything better!

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