Bad-Credit Refinance
Refinance your home loan even with adverse credit, including after major bank declines. Up to 95% LVR. Eligibility criteria apply.
Learn moreRefinance Out of Debt,
Even with Bad Credit.
Get a free credit file review with no impact on your score and
a same-day callback from a local broker.
MFAA Member Australian Credit Licence AFCA Member No Hard Credit Check No Broker Fees
We Help Owner-Occupiers Refinance Out of Debt
If your repayments have become unmanageable, debt is stacking up alongside your mortgage, and the major banks have already said no, Financial Steps can help. If you're not sure if there's a way through or where to turn next, it's time to speak to our team.
Owner-occupiers in Victoria & New South Wales
Bought at peak prices, now rolling off fixed rates
Behind on repayments, credit cards stacking up
Declined by one or more of the major banks
Our Services
Debt Consolidation Refinance
Your credit cards and arrears become one more manageable home loan repayment, assessed on your full financial picture, not your score alone.
Learn more
Path to a Bank Rate
Structured to return you to a major bank rate within 18–24 months. A stepping stone, not a high-rate forever-product. Eligibility criteria apply.
Learn more Soft check only
Your Free Credit File Review — No Hard Credit Check
We use a soft check only, so your credit file stays completely protected throughout the review while you get a clear and honest picture of what's
possible for your situation.
No obligation. No broker fees.
No impact on your credit scoreSoft inquiry only — never flagged on your file.
Reviewed by Anh personallyOne local broker. Not a call centre, not offshore.
Honest picture, in plain EnglishWhat's possible, what isn't, and the realistic next step.
You decide if you want to proceedNo commitment. No pressure. No hidden fees.
3 Steps, No Surprises
Submit Your Details
Fill in the form. It takes two minutes, and there's no commitment. Our lead broker, Anh, reviews your enquiry personally.
Free Credit File Review
We use a soft inquiry only, so nothing is flagged against your record and your credit score isn't impacted.
Your Options Made Clear
Anh will call you the same day to walk you through what's possible and provide honest, personalised guidance.
Why Our Clients
Choose Financial Steps
One Broker, Every Time
You speak directly to our lead broker, Anh, on every call.
No Broker Fees
Financial Steps is paid by the lender once your loan settles. No broker fee charged to you.
Equity Is the Unlock
Possible up to 80% LVR, or 70% for complex cases. The deciding factor is property equity, not credit history.
Same-Day Callback, Guaranteed
You hear back from Anh personally the day you submit an enquiry. No delays or waiting for a call back.
Anh · Lead BrokerMeet Anh
One Trusted Broker.
Every Time.
Anh is a specialist mortgage broker with one focus: bad-credit debt consolidation refinances for owner-occupiers declined by the banks. Each enquiry goes straight to Anh: one direct line, one conversation, no team, no handovers. Fully licensed and accredited.
100%
Enquiries handled personally by Anh
Same day
Callback after your enquiry
18–24m
Typical path back to a major bank rate
Frequently Asked Questions
Can't find your question here? Give Anh a call directly for an honest, personalised answer.
No. Financial Steps offers a free credit file review with no hard credit check. The assessment uses a soft inquiry only. Your record stays untouched throughout. A formal credit check is only lodged once you've decided to proceed with a full application.
Yes. This is exactly who Financial Steps helps. These lenders often decline applications based on a few late repayments, without looking beyond the credit file. The assessment covers your full circumstances, not a score alone, and draws on a panel of lenders who specialise in non-conforming and adverse-credit cases.
That's the goal from day one. Financial Steps structures your refinance as a route back to a major bank rate, not a forever-product. By consolidating your debts, getting your repayments back on track and rebuilding your credit profile over 18 to 24 months, most clients are well placed to move across to a major lender. Eligibility criteria apply.
The initial review and assessment are free: no cost, no commitment. Broker commission is paid by the lender at settlement, not by you. Any fees specific to a loan product are disclosed upfront before you commit.
The same day. Every enquiry receives a personal callback from Anh, the broker who manages your case from start to finish. No delays, no intermediaries, no waiting days to hear back.
No, but it's the specialty. Financial Steps focuses on debt consolidation refinances for owner-occupiers in mortgage stress, including those with adverse credit, late repayments, or declines from major banks. If your situation is more straightforward, Anh can still help, but the strongest expertise lies in the harder cases.
Coverage spans Victoria and New South Wales, with a focus on the highest mortgage-arrears postcodes in the country. All communication is by phone. No travel, no office appointment needed.
Yes. Financial Steps is an MFAA Member (Mortgage and Finance Association of Australia) and holds an Australian Credit Licence. Both are visible on this page and can be verified at any time.
Ready when you are
Take the First Step
Towards Financial Relief
Find out exactly what's possible for your situation, with no hard credit check, no broker fees and no commitment to proceed.