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Bad Credit (non-Conforming) Loans.

Non-Conforming Loans - for specialiast situations.

Loans to Lifestyle provides a Total Solution for your Home Loans & Mortgaes, Australia wide, especially when your credit is less than perfect.

You may not think your loan is a "non-conforming" loan but for certain most lenders will not tell you the details of how credit will look at your application. In our experience there are many issues that need to be investigated and if necessary resolved before your application is submitted. If your credit is good, see our Loc Doc home Loans and Loc Doc Commercial Loans.

We are very experienced at getting non-Conforming loans approved. Loans can be difficult to get approved when one or more aspect of the application falls outside a particular lenders guidelines. Some areas that can result in unexpected declines in not properly prepared include:

It is essential that your application is carefully assessed and prepared before it is submitted to a lender, otherwise once declined by one lender, there is a record left for all see.

Here's why talking to us first will maximise your approval prospects:

Overall, it really is your decision which option to choose. You can choose a combination of both. Just base your final decision on the investment you need for running a business, both now and in the future for the projected life of the project.

Loan Rate Discounts.

Did you also know that we can also arrange substantial interest rate discounts from the Standard Variable Rate for some clients with many lenders and sometimes up to as much as 1%.

What makes Bad Credit?

Let's look briefly at what can go wrong with your loan application. Broadly speaking, the assesment of your loan application comprises five major areas: ....

To be successful, you loan application must be signed off for the first four items. The last item is there to cover any imperfections in the other items, and is an extremely important part of your application. It may well be the reason you were declined.

In addition to these five areas, and a very common reason for a decline is that your loan was submitted to the wrong lender. Different lenders have different levels of acceptance for deficiencies in the above items, and as specialists in this area, we know where and how to lodge your loan.

Preparing a Bad Credit Loan.

The first rule is simple - seek specialist help. We are very experienced in this area.

The rest then is easy, but surpisingly too often, is overlooked ...

We will usually be able to provide an indicative offer of finance within 36-48 hours of submitting your complete application.

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