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Poor Credit History

Credit impaired loans and non conforming loans are designed to assist those borrowers with a poor credit history, defaults or limited financials.

At some point in the past, a borrower may have experienced difficulty in meeting their monthly commitments due to lack of work, suffered unexpected business losses or had a difference of opinion with a former credit provider.

Credit-Impaired Loans are designed especially to assist a borrower in these circumstances. Usually these loans incur an extra interest rate margin and possibly extra fees and charges.

By refinancing through a non conforming lender, you may be able to minimise your repayments, consolidate debt and get yourself on track to improving your crediting rating and eventually refinancing your loan with a traditional conforming lender.

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some of our Mortgage Providers

A Track Record of Success

Veki and the team at UniQ were very helpful when it came to securing our loan for our first investment property. Being self-employed it was a little more complex to secure the loan. Thanks to Veki's help we were able to find a good lender and an excellent interest only home loan.

Thanks UniQ for making the process far simpler than we were expecting it to be.

J & R Cantwell, Elsternwick, VIC

We recently decided to check if we would make a significant saving by refinancing our home loan. The recent round of rate increases finally convinced us it was worth shopping around. UniQ finance were excellent. They came to the house and took us through different options. We ended up going with a smaller bank that had a better rate.

We are saving over $2000 a year in interest, for very little work at all.

M Sommersly, Hoppers Crossing VIC