Bad Credit Home Loans

Bad credit home loan

Need help choosing the right home loan?

Bad Credit Home Loans

At Pioneer, we specialise in working closely with customers who for a range of reasons have found themselves in financial difficulty. Our focus is to provide support through these challenging times in order to help customers achieve financial recovery and go on to achieve all their financial goals.

During your life, unexpected events can occur which may result in financial hardship, and in turn, restrict your cash flow. We understand that after these events it is important for customers to start getting back on track with their finances, which may involve the desire of purchasing a property. This is where a bad credit home loan comes in, providing you the flexibility to obtain a mortgage where other lenders may turn you down.

What is a Bad Credit Home Loan?

A bad credit home loan is a home loan designed for customers with an impaired credit history. These home loans traditionally have more flexibility, allowing you to get back into the property market.

Traditionally, home loans for credit impaired individuals can involve higher interest rates, however; at a stage in your life when you are trying to improve your financial health, a higher rate is not going to put you in the best position. That’s why we compare over 35 lenders to find the perfect home loan for you; at the end of the day, your situation is unique and your home loan should be too.



together flourish


Why is a Bad Credit Home Loan right for you?

If you are in a situation where your credit health has been damaged, a bad credit home loan could be right for you. The fear of having a low credit score shouldn’t detract you from applying for a mortgage. While you will still have to provide information on your assets and proof of income, it is possible to get a home loan when you are credit impaired.

Benefits of a Bad Credit Home Loan:

  • Secure a home loan when you are credit impaired
  • Overcome poor credit restrictions
  • Purchase a home with finance that you can support
    • Work towards becoming eligible for prime lending products
    • Achieve your financial goals

    Apply for the home loan that's right for you!

    Bank Our goal is to save you money!

    Make a free enquiry now

    Select a choice

    I agree to the Pioneer Credit Connect Terms & Conditions and Privacy Policy.


    See what our customers have to say!


    • customer experienceJohn R, VIC
      I'd like to thank you for all the help you've given me. I know that I made it difficult for you at times but you handled it all very professionally. It was very helpful that you were so knowledgeable about every aspect of this process, including all the legal procedures.
    • customer experienceThe Conway Family, WA
      We would love to say a massive thank you for all the help and support you have provided in the purchasing of our lovely home. Buying a house is apparently one of the most stressful things you can do in a lifetime; well not in this lifetime thanks to you! We can honestly say that there was not one minute of stress and your efficiency, expertise and advice were second to none.

    Other Home Loan types

    Home Loan Buying and Selling Costs Calculator

    Buy a house

    It’s one of the biggest decisions you’ll make. Getting the right loan can make a world of difference.

    Learn more



    Compare your current home loan against other in the market and see how much you could save.

    Learn more



    Extending, putting in a pool or adding a patio – let us help you find the right loan.

    Learn more



    Buying an investment property? We’re experts at matching you to the right loan.

    Learn more

    Backed up by

    • WestpacLogo
    • StGeorgeLogo
    • NABlogo
    • MacquarieLogo
    • LibertyLogo
    • BankwestLogo
    • BankofMelbourneLogo
    • CommonwealthBankLogo
    • ANZBank