Aussie Homeowners
Stop Juggling Multiple Debt Repayments. Consolidate into ONE.
You’re not bad with money. Too many monthly repayments are keeping you stuck and you're playing catchup every month. ONE REPAYMENT free up your money for what matters even with a BAD CREDIT FILE.
This is you if…
You own your home with $200,000+ equity
Your household earns a good combined income
You're carrying $50,000+ in debts outside the mortgage
You've been knocked back by a bank, broker or you're scared to even ask
Over the years we’ve helped Aussie families bring 4, 6, 8, 10, even 15 or 20 repayments into just one, freeing up between $1,200 and over $6,000+ a month, even with their bad credit files.
Make Your Debts Easier to Manage
A few quick questions so we can understand what’s going on and see what may be possible.
No credit check. No pressure. No commitment.
See what real clients say on RateMyAgent
REAL HOMEOWNERS. REAL RESULTS.
See what can happen when your repayments finally work with your income, not against it.
Every situation is different, and every outcome depends on individual circumstances but this is what became possible when we looked beyond the bad credit, multiple debts and financial stress and found a better way forward.
Gary & partner
2 kids and 9 repayments
Perth couple
$1,810/ month
$21,720 saved yearly
Jessica & partner
1 kid and 11 repayments
Melbourne couple
$3,778/ month
$45,336 saved yearly
Tegan & partner
1 kid and 10 repayments
Victorian couple
$1,845/ month
$22,248 saved yearly
Daniel & partner
3 kids and 15 repayments
Sydney couple
$6,057/ month
$72,684 saved yearly
Rose & partner
2 kids and 7 repayments
Perth couple
$3,862/ month
$46,344 saved yearly
Joel & partner
2 kids and 7 repayments
Victorian couple
$4,628/ month
$55,536 saved yearly
Epy & partner
4 kids and 4 repayments
Brisbane couple
$1,505/ month
$18,060 saved yearly
Rachael & partner
2 kids and 7 repayments
Melbourne couple
$1,661/ month
$19,932 saved yearly
Ben & partner
3 kids and 6 repayments
Perth couple
$2,573/ month
$30,876 saved yearly
Lou
1 kid and 7 repayments
QLD single mum
$2,860/ month
$34,320 saved yearly
Brandon
2 kids and 5 repayments
Sydney single dad
$1,217/ month
$14,604 saved yearly
Lisa
11 repayments
NSW single
$4,089/ month
$49,068 saved yearly
Bad credit isn't something we occasionally deal with. It's our speciality.
If you had a complex medical condition, you wouldn’t want to see someone who only dealt with it occasionally.
You need a specialist who sees situations like yours every day.
We believe bad credit lending is no different.
Yeah, these things matter in the lending world… BUT they don’t automatically tell us your WHOLE story.
We look beyond the credit file to understand what happened, where you are now, and what your income, equity and overall situation all look like today.
Because when your situation isn’t straightforward, you don’t just need someone who understands home loans.
You need someone who knows bad credit in and out.
Your credit file might be complicated. Getting clarity doesn’t have to be.
At Fusion Finance Aus, we have experience working with homeowners whose credit files include:
Low or Poor credit scores
Mortgage arrears
Unlimited paid or unpaid defaults or judgments
Multiple credit enquiries or applications made
Debt agreements
Payday loans and Buy Now Pay Later facilities
Financial Hardship Agreements
ATO debts/ Business Loans/ Private loans
Discharged Bankruptcy
And other impaired-credit situations
GOOD INCOME. TOO MANY REPAYMENTS. BAD CREDIT.
How did it get this hard?
You work hard. You earn good money. You own your home.
Then payday comes around and the repayments get there first.
Mortgage. Car loans. Personal loans. Credit cards. Buy Now Pay Later. Payday loans.
Before long, you're juggling multiple repayments, there’s barely anything left, and keeping up gets harder.
A payment gets missed. Then another. And another....
Your credit file takes the hit.
And when the bank says NO, you start wondering if you’ve run out of options.
But here's what we've learnt: bad credit is a problem. But it's not always where the problem started.
For many homeowners, it started with too many repayments eating away at a good income. Sometimes due to a sickness in the family, sometimes due to a job loss, sometimes a business going bust, sometimes due to a death in the family.
That’s why we don’t just look at your credit score.
We look at your WHOLE story.
You wouldn’t self-diagnose a complex health problem. Don’t try to navigate a complex financial problem alone.
The shift
Say goodbye to…
Life right now
Income disappears before you’ve even had a chance to enjoy it despite earning a good household income.
Juggling repayments, due dates and overdue bills, constantly wondering which one needs to be paid first.
That gut-sinking feeling every time the phone rings, worried it’s another lender, debt collector or problem you have to deal with.
Hearing “no” again and again, after months (or years) of trying to get out of this mess and wondering if you’ve simply run out of options.
Instead, you will…
One simple, manageable repayment and finally feeling like you have cash left over for you and your family.
Waking up without money being your first worry, knowing there’s a clear plan and you’re back in control.
Feeling hopeful about life again, because you are waking up calm and in control of your situation.
Getting your life back, less stress, fewer arguments with your partner about money, and more headspace for your family, your future and the things that actually matter.
Who This Is For And Who It Isn’t
Is this for you?
I'm struggling to manage multiple debt repayments.
I have a good household income but still living paycheck to paycheck.
I'm always worried about creditors calls for my debts.
I'm frustrated with the number of failed refinancing attempts due to my bad credit.
I definitely want to avoid getting defaulted or a court judgement on my credit file.
I'm worried about how my bad credit and/or past defaults will affect my future opportunities.
I just want one simple payment to take control.
I'm ready for a positive change and peace of mind!
Who this is not for:
People with no owner occupier property.
People who don't have a bad credit file.
People who are not looking to consolidate or simplify their debt or for equity cashout.
People who are unwilling to share their personal/financial information and unwilling to cooperate.
People who are not motivated to make positive changes which could lead to a stress-free lifestyle.
People who book appointments and don't show up without notice - you will not be able to rebook future appointments.
Bad Credit With Multiple Debts?
We Can Help!
Fast turnaround
Get a simple and manageable repayment with approval in as little as 14 days, way quicker than months of multiple debt repayments.
Specialised for bad credit
We focus on homeowners with bad credit, offering tailored solutions for your unique situation.
Personalised plans
No "one size fits all" - we create a customised strategy based on your debts, income and goals.
Transparent process
Honest communication at every step, so you know what's happening and can trust the process.
Proactive communication
We keep you updated and informed, so you're never left in the dark about your progress.
Long term support
We’re here for you beyond the initial process, providing ongoing guidance and support whenever you need it.
For Homeowners With Poor Credit and Multiple Debts Seeking Lower Payments
(That will lighten your load and bring ease!)
A DIVERSE ARRAY OF AUSTRALIANS HAVE RECEIVED OUR HELP.
For example:
Singles
couples
with / without kids
full TIMERS
PART TIMERS
CASUALS
Sounds Like Me
It Couldn't Be Any Simpler
You don’t need to have everything figured out. We’ll take it one step at a time.
01
Tell us what's going on
Start with a few quick questions and a conversation.
Tell us what's been happening, what you're struggling with and what you'd love life to look like instead. No judgement. No pressure. Just a conversation.
02
Let us do the figuring out
If we think there may be a way to help, we’ll take a closer look at your situation.
Your income. Your equity. Your debts. Your credit history.
You don’t need to know the solution. That’s our job.
03
See what life could look like
If we find a suitable way forward, we’ll show you exactly what it could look like. The goal is simple:
One manageable repayment. Less to juggle. Less financial stress. And more of your hard-earned income is left for your family and everyday life.
We’ll explain everything clearly, you decide if it feels right for you, and if you choose to move forward, we’ll guide you through the rest.
04
We won't disappear after settlement
Getting things back on track is only the beginning.
We’ll continue reviewing your position over time and, where possible, help you work towards getting back into the good-credit lending space.
Because our job isn’t just to help you through a difficult season.
It’s to help you keep moving forward.
Feeling overwhelmed and not sure where to start?
Start with a conversation.
Real People We've Helped: Stories & Results
STILL NOT SURE?
Questions you might be too nervous to ask
My credit score is really bad. Can you still help?
A low credit score doesn’t automatically mean there are no options. We have worked with minus credit scores. We look at the whole picture including your income, equity, debts, repayment history and what caused the credit issues before telling you what may be possible.
My bank has already said no. Does that mean everyone will?
Not necessarily. Different lenders have different policies and ways of assessing risk. A decline from one lender doesn’t automatically mean every lender will make the same decision. We have 40+ lenders on our panel, not just one bank.
I have defaults and missed repayments. Is it too late?
Not necessarily. We regularly work with situations involving paid and unpaid defaults, late repayments, arrears and other impaired-credit issues. What may be possible depends on your individual circumstances.
I’m already behind on my mortgage. Can you still look at my situation?
Yes, mortgage arrears don’t automatically stop us from looking. The important thing is understanding what’s happened, your current position and whether there may be a suitable way forward. However, the sooner you seek the help for this the better it is for you.
Will applying make my credit file worse?
Talking to us and understanding your options is not the same as automatically submitting a loan application. We start by understanding your circumstances and discussing what may be possible in your situation before discussing a potential solution which can only lead to an application if you like the potential solution.
My partner doesn’t know how bad things have become. Can I speak with you first?
You can have an initial conversation about what’s happening. However, If a solution involves jointly owned property, joint borrowing or affects your partner, they will need to be involved at the appropriate stage.
What if I have payday loans, Buy Now Pay Later or ATO debt?
These don’t necessarily mean we can’t look at your situation. We have experience assessing more complex credit scenarios, including payday loans, BNPL facilities, ATO debts and multiple existing debts.
Will you judge me for how bad things have become?
Never.
We know how hard it can be to finally tell someone what’s really going on.
The calls you’ve been avoiding. The stress you may not have even told your family about.
You don’t need to explain yourself or feel embarrassed with us.
We help homeowners through complicated financial situations everyday, it’s nothing new to us, nor it’s our place to judge you.
No lectures. No shame. No judgement.
Just a safe conversation with people who understand life happens.
How quickly could everything be sorted?
Every situation is different, especially with impaired credit. However, most of our clients have had everything sorted within 3-5 weeks.
You’ve carried this on your own long enough.
You don’t need to have everything figured out before speaking with us.
15+ YEARS
Finance Industry Experience
“Most homeowners who come to us have already spent years trying to hold everything together. Some have been declined by their bank or ghosted by a broker. Others have simply started believing their bad credit means there's nothing anyone can do and they have to play the waiting game. We don't make that assumption. We look at your whole story first.”
Sammiee, Founder | Fusion Finance Aus
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