HOME LOANS AFTER CREDIT ISSUES GOLD COAST
A decline from one bank isn't a decline from the market.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, COMPLEX CREDIT LENDING EXPERT
Chat with Lee, your Gold Coast complex credit expert.
For over 14 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. Specialist lenders, not just the majors.
Defaults, judgments, bankruptcy, Part 9 agreements and ATO payment plans, assessed against the lenders whose policy actually covers them.
2. One application, not five.
Every application marks your credit file. We confirm a lender's policy fits before lodging, rather than testing the market with repeat applications.
3. A straight answer either way.
Where the answer today is no, we tell you what changes it and when to come back, rather than lodging something that will fail.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast borrowers with past credit issues use Serres?
Credit policy is where lenders differ most: paid versus unpaid defaults, the age and size of a listing, and how a Part 9 or ATO arrangement is treated all vary enormously across the panel.
We hold accreditations across 70+ banks, non-banks and specialist lenders, and only lodge once we're confident the policy fits your file.
Schedule a call to find out more.
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
Get in touch.
I'll reply the same way you contacted me, unless you say otherwise.
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FAQs
Can I get a home loan with a default on my file?
Often, yes. Lenders differ significantly on paid versus unpaid defaults, the amount and how long ago it was listed, so the answer depends on which lender sees the file.
How long after bankruptcy or a Part 9 can I borrow?
It depends on the lender and where you are in the process. Some specialist lenders will consider an application sooner than the major banks will.
Will applying again hurt my credit score?
Every application shows on your file, which is exactly why we confirm a lender's policy fits your situation before lodging rather than testing the market with repeat applications.
What if I've already been declined?
A decline isn't the end of it. We look at why it happened and whether another lender on our panel assesses that circumstance differently.
