Lending options for when the bank can’t help 

Find a flexible solution to your lending needs

Sometimes getting the right home loan can be a challenge, especially if you have a blemish on your credit report, are self employed or don’t have up to date tax returns.

Our approach is based on flexible lending criteria to help you begin that journey.

At MortgageDirect we believe in challenging the accepted, non-standard income, non-genuine savings, tax debt or credit impaired – we’d love to help you too.


  • LVRs up to 90%

    (Refinance / Unlimited Debt Consolidation – including business debts)

  • LVRs up to 80%

    allow for Unrestricted Cash Out

  • Business purposes / Repayment of Tax Debt


  • Borrowings in the names of Individuals/Companies/Trusts

  • Loan amounts up to $2.5m

    (subject to LVR and location)

  • OFFSET is available

  • Loan Splits available

  • Credit Impairments/Defaults/Bankruptcies


  • All defaults, judgements, writs & summons below disregarded

    • Under $2,000
    • Paid more than 12 months ago
    • Listed more than 24 months ago (whether paid/unpaid)

Your own Personal Relationship Manager

Your Personal Relationship Manager to help you along the way

Fast turnaround times

We manage the application and settlement process end-to-end

Secure loans up to 90%

Potentially borrow up to 90% of your property’s value

All applications are subject to the relevant credit provider’s credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.


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Get in touch with Mortgage Direct


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To request a copy of the Target Market Determination please contact us at info@mortgagedirect.com.au or on 1300 360 999
The information provided on this website does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for your lending criteria. Fees, terms and conditions apply.