Four numbers, and I'll tell you today whether we can help.
Rough figures are fine. This isn't an application and it won't touch your credit file.
We use these figures to give you an indicative guide only. It is not credit advice, an offer of credit, or an approval. ChapterTwo — Australian Credit Licence 531408.
Why we can say yes when a bank says no
Banks start with your credit file. We start with a capacity test.
Add up what you're paying right now across everything — mortgage, credit cards, car, personal loans, tax debt. If that total is more than a single new repayment would be, you have already proven you can afford it.
That's the test that actually matters. It's why a patchy credit history doesn't end the conversation with us.
Self-employed? That's not a problem here.
Payslips, an accountant's letter, BAS, or full financials — there's more than one way to show us an income. Banks won't count it. We will.
And it's quick
Who we genuinely can't help
We'd rather tell you now than waste your time.
- People who haven't been paying their debts at all. The capacity test needs something to work with.
- People who can't afford their current mortgage and repayments as they stand.
If that's you, the honest answer is no — and we'll tell you that rather than string you along.