Bad Credit Home Loans

Securing your second chance

At Rapid Finance, we believe in second chances. We specialise in designing loan solutions for just about every circumstance. No matter your situation or credit history, we may be able to help you secure or re-finance your home loan. We offer:

  • Finance options customised to your needs
  • Speedy application process over the phone
  • Options to refinance your home loan
  • Expertise on bad credit home loans

3 steps to Simplify your home finance

Free Finance Assessment

Over 20 years' bad credit experience

Based on the criteria you have selected, you may qualify with one of our partners. Click continue to be referred to continue your enquiry

What is a bad credit home loan?

A bad credit home loan is a finance product designed for applicants struggling to secure lender approval on their home loan due to bad credit history. Bad credit history covers a range of situations, including:

  • History of credit defaults or court judgements
  • Car, Caravan, Boat or motorbike Repossessions
  • Self-employment/no financials
  • Part IX Debt Agreement – Current or finalised
  • Discharged Bankrupts
  • Paid or unpaid defaults
  • Financial Defaults
  • Telco / Utility Defaults
  • Credit Card Defaults
  • Low Credit Score

Bad credit home loans assist you to secure a loan to purchase a home or renovate a property or consolidate debts, defaults, judgements etc back into your mortgage via a re-finance. Even if you have one of the worst credit files, been behind on loan payments and even behind on your mortgage, we may be able to assist – It all comes back to your affordability and the amount of equity in your property. Rapid Finance may be able to help you by doing a Free Finance Assessment to determine your eligibility.

Refinance your home today. Make your greatest asset work for you.

Refinancing your home to consolidate your debt could save you thousands!

Whether it’s getting you a better deal or whether it’s to consolidate debt to reduce your overall monthly outgoing cashflow payments, Rapid Finance is here to help in any way we can.

For 19 years, we’ve supported Australians to meet their financial commitments and improve their credit history – Even if you want cash out of your mortgage, with your debt consolidation, we should be able to assist. Our team of Rapid Finance specialists evaluate your unique situation to tailor best-possible outcomes for all parties.

So, why Rapid Finance?


Home Loan Calculator

Loan Amount

up down

Loan Details



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!

Learn your chances of loan success with a free Rapid Finance credit check. It’s fast and easy, and it won’t affect your credit rating. Request your score today – it only takes a few minutes!

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

Read Full Review

16 August

10 out of 10

Read Full Review

3 August

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

Read Full Review