Not every lender assesses your history the same way. We know which ones are more likely to say yes.
Meet Mel and the Zest team, who've helped hundreds of clients get finance approved despite a bumpy credit history.
Late payments, defaults or a bankruptcy discharge do not automatically rule you out, but they do change which lenders will consider your application. Lenders look at what happened, how long ago it was and how your finances have tracked since, and they do not all weigh those things the same way. Every application also leaves an enquiry on your credit file, so it pays to approach the right lender the first time.
We compare 60+ lenders, including those who specialise in second-chance lending, and talk through your options honestly before anything is lodged. Our team is based in Springfield and helps clients across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe a past credit issue shouldn't stop you from moving forward with confidence. Here are a few recent Zest Google reviews we think you'll love!
A confidential chat with Mel & the team costs nothing. We'll be upfront about where you stand and what your options actually look like.
Late payments, defaults or a bankruptcy discharge don't automatically rule you out. We compare across 60+ lenders, including those who specialise in second-chance lending, to find the right fit.
Once we've matched you with a lender that fits, we manage the application and give you a clear, honest picture of the process from start to finish.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
