So you want to buy a property but you’ve been denied a loan because you have bad credit? Or perhaps you haven’t applied for a loan yet and you just want to see what your credit rating is? A few unpaid bills, that you may have thought remained locked away in your past, can come back to haunt you when you decide to apply for a loan for anything from a car to a house, and even when trying to obtain a credit card. In many cases it is possible to clear defaults and judgments from credit reports.

What is a Mortgage Broker? Mortgage brokers are professional lending people who are independent from any one bank. They have qualifications with many banks in the Australian lending landscape, including major banks such as CBA, Westpac, St George, ANZ, and NAB. Brokers also have access to many non-bank institutions that lend money at a competitive rate (these include Pepper Money, Liberty, and Bluestone, to name a few).