Life happens.
A missed payment during a tough month, a paid default from years ago, or a patchy period during Covid can leave a mark on your credit file long after you’ve got back on track.
Many major banks apply blanket rules to these events, treating a small, resolved issue the same way they treat more serious patterns of non‑payment. That can mean an automatic “no” even when your current income, savings and repayment conduct are strong.
Non‑bank and specialist lenders can often dig deeper into the context. They’ll want to know what happened, how long ago it was, whether it’s been paid, and what your finances look like now. In some cases they can approve loans that mainstream banks won’t touch, with a clear strategy to refinance back to a major lender after a period of clean conduct.
If your credit history is holding you back and you’re not sure whether it’s a deal‑breaker or just a speed bump, it’s worth getting clarity. I can help you understand how different lenders are likely to view your file and what steps to take today so you’ve got more options tomorrow
