Credit Repair

Over 3 million Australian’s are at risk of credit default in the next 12 months.

HR Mortgage & Finance has helped Australians with bad credit.
Let us help to free yourself from debt and have the confidence apply for finance again.

How we repair your Bad Credit:

Assessment

A consultant helps you get a free copy of your credit file and identifies any defaults or court judgments listed.

Investigation

Case managers request documents from the credit provider and cross-reference them with legislation.

Removal

If a legislative breach is found, they request the credit provider to remove the default from credit reporting agencies.

Post-Removal

Your case manager helps you get an updated credit report so you can apply for finance with confidence.

How HR Mortgage & Finance Works

Initial Consultation

Have a phone or face-to-face conversation with our expert broker.

Loan Structuring

We need your financial documents and specifics about your requirements.

Apply For Pre-Approval

After finalizing all necessary details, we'll proceed to pre-approval. Typically, your pre-approval will arrive 5-7 working days, subject to the bank's processing time.

Find Your Dream Home

We'll be there to support and guide you every step of the way until you discover the perfect property. Once you've identified a property that meets your criteria and reached an agreement on price with the vendors, we'll recommend proceeding with signing the contract.

Get the Final Approval

Once the contract is signed, we initiate the valuation process. Subsequently, the solicitor/conveyancer will review the contract and conduct pest and building inspections. Concurrently, we'll proceed with submitting your loan for formal approval. The timeframe for obtaining formal approval may extend up to a week, contingent upon the bank's processes.

Settle Your Loan

When all the paperwork is complete the keys to your dream home will be handed over to you.