First Home Buyers with Bad Credit  - Honey Loans

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First Home Buyers with Bad Credit.
 

Even a minor default on your credit history can affect your ability to borrow. While applicants with a bad credit history can and do qualify for the purchase of their first home, certain specific criteria applies.

Minimum Deposit

In most cases a deposit of at least 20% is essential. This is because applicants with any history of bad credit are seen as a ‘higher risk’ applicant by the lender. This deposit can be made up of the FHOG as well as funds borrowed from family, equity in other real-estate, inheritance etc.

Unpaid Defaults

If you have any unpaid defaults at the time of application, these must be fully paid out before settlement. No lender will accept applicants with Unpaid Defaults.

Bankruptcy & Part 9

If you are still in bankruptcy or in part 9 – these have to be fully paid out before settlement. No lender will offer a new loan to someone still undischarged from bankruptcy or Part 9.


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