Specialist Lending
Bad Credit Home Loans
A bad credit history doesn't have to stop you from owning a home. We specialise in finding lending solutions for Australians who have been turned away by the banks.
Call 1300 789 065Who We Help
We Work With Clients Who Have:
Traditional banks often decline applications based on credit history alone. We work with specialist lenders who look at your full financial picture — not just your credit score.
Bank
Said No?
We say yes to clients others turn away. Call us today for a no-obligation consultation.
1300 789 065How It Works
Our Simple Process
01
Contact Us
Call or send a message to speak with one of our lending specialists.
02
Assessment
We review your situation and identify suitable lenders from our panel.
03
Application
We handle the paperwork — our process is fully online and paperless.
04
Approval
We work to get you approved and into your new home as quickly as possible.
Our Difference
Why Choose R D & Sons Finance?
We've helped hundreds of Australians secure finance when the banks said no. Here's what sets us apart.
Access to Specialist Lenders
We have relationships with non-bank lenders and specialist credit providers who are not available to the general public.
No Upfront Fees
We don't charge you anything upfront. Our fee is only payable on successful settlement of your loan.
Fast Turnaround
We understand urgency. Our team works quickly to assess your situation and submit applications without delay.
Confidential & Judgement-Free
We treat every client with respect and discretion. Your financial situation is handled with complete confidentiality.
Experienced Team
With years of experience in specialist lending, our brokers know exactly which lenders to approach for your situation.
End-to-End Support
From your first call through to settlement, we guide you every step of the way so nothing falls through the cracks.
How It Works
We Work With Specialist Lenders
Unlike the major banks, specialist lenders assess your loan application based on your current financial position — not just your past. They consider factors such as your income stability, deposit size, and the equity in your property.
Non-Bank Lenders
Private lenders who operate outside the traditional banking system and have more flexible credit policies.
Second-Tier Lenders
Smaller banks and credit unions that offer competitive rates with more lenient credit assessment criteria.
Private Funders
Short-term bridging solutions for clients who need time to repair their credit before refinancing to a mainstream lender.
Ready to Get Started?
Don't waste time applying to lenders who will decline you. Let our specialists match you with the right lender from day one.
- Free initial consultation
- No impact on your credit score
- Fast response — usually same day
- Australia-wide service
Common Questions
Frequently Asked Questions
Don't Let Bad Credit Hold You Back
Contact us today for a confidential, no-obligation consultation. We're here to help.