Bank Said No? You Deserve A Second Chance.
If a mainstream bank has turned you down for a home loan, that doesn’t mean you can’t get one. It means you need a different kind of lender — and knowing which lender suits which situation is exactly what we do.
Bank Said No arranges home loans for people with bad credit, defaults, past bankruptcies, tax debts, mortgage arrears and all kinds of other situations that fall outside what mainstream banks will consider. We’ve been doing this since 2001. If you’ve been told it’s impossible, it probably isn’t — it just requires someone who knows where to look.
Who We Help
Bank Said No arranges home loans for people
- Bad credit, defaults and judgments
- Ex-bankrupts and Part 9 or Part 10 debt agreements
- Self-employed with no standard proof of income (lo-doc / alt-doc)
- Home loans currently in arrears
- Debt consolidation using home equity
- Tax debts owed to the ATO
- Relationship break-ups requiring a buyout or refinance
- Unusual properties or security
- SMSF loans
If your situation isn’t on that list, call us anyway. If we can’t help, we’ll tell you straight.
The Banks Have Rules. We Know the Lenders Who Work Around Them.
Credit impaired? Ex-bankrupt? Self-employed? There are specialist lenders in Australia who are specifically set up for your situation. We know all of them.
How it works
Tell us your situation.
A phone call or a message through the form below. No credit check, no commitment, no judgement. We just need to understand what we're working with.
We find the right lender.
We work with a panel of specialist lenders, each one has different strengths and different tolerances. We match your situation to the right one.
We get it approved and explain what you're signing up for.
The rate will be higher than mainstream — we'll be straight with you about that and why. Most clients refinance to a mainstream lender once their credit file clears. It's not forever.
Thousands of people helped get home
We've been doing it since 2001.
Why Choose Us
Why Bank Said No
We have been arranging specialist home loans since 2001. The mainstream banks have rules. We know the lenders who work around them — and we know which lender suits which situation.
Operating since 2001 — we've seen just about every scenario.
Multiple Pepper Money Queensland Broker of the Year awards.
We operate Australia-wide — not just Queensland.
Straight-talking. We'll tell you what's possible, what it costs, and why. No runaround.
We're not here to judge how you got here. We're here to help you move forward.
The honest bit about rates
The specialist lenders who work with credit-impaired borrowers charge higher interest rates than the mainstream banks. That’s the trade-off, and we won’t pretend otherwise.
How much higher depends on what the credit issue was, how recent it is, and what percentage of the property value you need to borrow. The rate isn’t fixed forever — most specialist lenders reduce it as you demonstrate a good repayment history, and we typically refinance clients to mainstream lenders once their credit file is clear.
It’s a bridge, not a life sentence.
Appointment
Ready to find out what's possible for you?
We have been providing home loans to credit-impaired people since 2001 and we have tried to find lenders who will do almost any scenario or situation. If you can think of it, we’ve probably already done it; prevented foreclosures, financed ex-bankrupts, credit impaired self-employed people with no proof of income, people on pension only incomes, purchase of a half-constructed house by a credit-impaired self-employed person with no proof of income, etc.
Call us on 0417141894 to talk to an expert and let’s find a solution to your situation.
Alternatively, you can email your questions to info@banksaidno.com.au or fill in the email inquiry form.
Make an Appointment
Ready to find out what's possible for you?
Call 0417 141 894 for a straight-talking conversation, or fill in the form below and we’ll get back to you. No credit check required at this stage — just a chat.