Oops Home Loans specialises in what is called Non Conforming Home Loans. This means you don't conform to the traditional lending guidelines of a bank. So when the banks say "No" we will say "YES"!

Why are we cheaper than most other Bad Credit Home Loan companies?

Well, there are no secrets. DEAL DIRECT AND SAVE!

No Mortgage Brokers or Branches

At Oops Home Loans we don't pay any fees to mortgage brokers. Did you know that the interest rate that you pay to your lender when you get a loan from a major Australian Bank or Lender includes a broker commission that can range from 0.5% to 2% of the loan amount? This commission is paid by the lenders who have to offer home loans with higher rates to cover the costs. Of course Mortgage brokers choose only those lenders that pay commissions otherwise they don't get paid. At the end of the day, it's the customer who pays for this "Free Advice" offered by a mortgage broker. Oops Home Loans means a better deal and a lower rate for you.

Saving Money by Dealing Direct

We don't spend your money on local branches or mobile lenders. Why should you pay more on your home loan for local offices and mobile lender's expenses?
We believe that it's more convenient, more efficient and cheaper for everybody to use remote communication like phone, email, fax and online systems.

Given the cost of running branch networks or paying commissions, banks and mortgage brokers simply can't profitably match Oops Home Loans great deals.

Dedicated Lending Specialist from start to finish

With Oops Home Loans, everything is done over the phone or via the internet so that we can offer you a great deal. This also allows us to keep our overheads down so we can offer you great rates on our fully featured home loans.  Your Australian based Dedicated Lending Specialist works with you making the home loan process as easy as possible. We will even help you with those pesky application forms!. Because your Dedicated Lending Specialist knows you, you'll have less explaining and more understanding so you can spend more time focusing on your property rather than your mortgage.