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Bad Credit Home Loans


Bad credit home loans are tailored for people who don?t meet a lender?s standard credit risk criteria. This is commonly due to having a poor credit history and ratings as a result of not paying back previous loan amounts, or having a poor repayment history.

If you are credit impaired, it is possible to obtain a bad credit home loan, also known as a non-conforming loan. Your ability to repay the loan will be calculated based on your income and borrowing record.

Bad credit loans usually necessitate a larger deposit amount than standard or variable rate home loans

For more information see bad credit loans or visit our mortgage comparison page to compare today?s lowest interest rates on bad credit mortgages. The table below displays todays best rates from Banks only.

Related Link: Compare Home Loans

Related Products

Company Product AAPR Rate Maximum Loan Amount Minimum Loan Amount Ongoing Fee Rate Type Upfront Fee Apply
ANZ ANZ Standard Variable 7.41 699999.99 20000 5/m VARIABLE 760 Go to Site
Commonwealth Bank Commonwealth Bank Standard Variable Loan 7.36 999999999 10000 8/m VARIABLE 1100 Go to Site
St George Bank St George Bank Standard Variable 7.43 999999999 10000 10/m VARIABLE 1200 Go to Site
St George Bank St George Bank Basic Variable Loan 6.85 1000000 30000 Nil VARIABLE 1100 Go to Site
St George Bank St George Bank Inv Basic Variable Loan 6.85 1000000 30000 Nil VARIABLE 1100 Go to Site
nab nab Base Var Rate Discount2 6.74 999999999 20000 Nil VARIABLE 750 Go to Site
nab nab Base Var Rate Discount1 6.74 999999999 20000 Nil VARIABLE 750 Go to Site
nab nab Base Var Rate Home Loan 7.03 999999999 20000 Nil VARIABLE 750 Go to Site
nab nab Inv Base Var Rate Disc2 6.74 999999999 20000 Nil VARIABLE 750 Go to Site
nab nab Tailored Home Loan Var 7.24 999999999 20000 8/m VARIABLE 750 Go to Site
nab nab Inv Base Var Rate HL 7.03 999999999 20000 Nil VARIABLE 750 Go to Site


This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about home loans from multiple financial institutions. We will try to show you a range of products in response to your request for information. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a home loan , you will deal directly with a financial institution, and not with RateCity.