WA's First Choice for Bad Credit Home Loans

Getting a home loan with a bad credit rating doesn’t have to be hard

Do you have a poor credit rating? Just because you have a less than perfect credit score doesn’t mean that you can’t get an affordable home loan. Getting a home loan can be your first step to rebuilding your credit rating and getting on with life.


But you do have to be careful about what kind of loan you get, as the home loan market maze for those with impaired credit is complicated and confusing – and going from bad to worse isn’t something you want.


The First Choice Loans Difference

At First Choice Loans, we understand that life doesn’t always go as planned. That’s why we are prepared to work with you in getting a loan that is suited to your unique situation and financial needs, so you can rest easy knowing that you’re getting the best home loan for you, at the best interest rates available.

These are just a few of the benefits you can expect when working with us:

Free Service – No Broker Fees tick
Fast Approval Process tick
Multiple Lenders & More Than 300 Options tick
Free Property Valuations w/ Many Lenders tick
We’re WA Wide! tick

So if you have a bad credit rating and you need a loan, we’ll help you apply for and get the best financing for you.


Get in touch with us by filling out our quick and easy 2 minute loan enquiry form.

couple getting a bad credit home loan

More Info on Bad Credit Home Loans

What is Bad Credit, & How Do I Know if I Have it?

If you’ve defaulted on a loan, had trouble making payments on time or even applied for credit too often, these things can all negatively affect your credit rating. All of this information is collected and recorded, which go into the calculation of your Credit Score. This score is a number from 0 to 1200, with scores below 509 considered to be below average, while a score above 833 is considered to be excellent.


To sum up – a low credit score means a more difficult time applying for credit, and paying higher fees when you receive it.

What Specifically Contributes to a Bad Credit Score?

There are a number of things that could negatively impact your credit score, some more than others. These include the following:

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