"Australian Mortgage Exchange are mortgage originators and mortgage service providers" ""We offer flexible mortgage solutions at competitive rates with no ongoing fees and charges" "Our mortgage programs include standard mortgages, prime home loans, construction loans, land loans, non-saved deposit loans, equity home loans, lines of credit, lo doc loans, no doc home loans, jumbo loans and now bad credit loan mortgages." "We specialise in mortgage refinancing, debt consolidations and lo doc loans for the self employed who can't verify income." " Our bad credit mortgage loans, can be used to refinance those with bad credit ratings" "Apply for a home loan here now." "It's free, and could save you a lot of money!"

CrediMate™ home loans from Australian Mortgage Exchange

Mortgage home loans and consolidations for applicants that can't get prime loans due to credit impairment:

Australian Mortgage Exchange offers competitive home loan rates regardless of your credit rating. We have competitive interest rates for:

Full doc prime mortgages for applicants with clear credit.
Lo doc and easy doc mortgages for applicants with clear credit
Full doc mortgages for applicants with credit impairment and or defaults.
Lo doc and easy doc mortgages for applicants with credit impairment or defaults.

CrediMate™ loan programs from Australian Mortgage Exchange cover the latter two applicants types, that is those with credit impairment.

If you have clear credit or near a perfect credit history and want to check the StandardMate™, SmartMate™, and FlexiMate™ full doc rates from Australian Mortgage Exchange click here.

If you have clear credit and you want to check our EasyMate™ lo doc and easy doc rates click here.

To check why we have Australia's best mortgage, click here now

To apply for a mortgage online click here now.

To check our CrediMate interest rates and comparison rates. click here now.

As a general guide only, the rate for a CrediMate™ mortgage will be around between 1%pa and 3%pa higher than our StandardMate variable rate, currently 6.99%pa [comparison rate 7.04%]. Please understand that these are "second chance loans" and can be temporary stop measures to regain your credit standing. Once you have being paying the higher rate for a couple of years in a timely manner, we can general put you it to a prime loan facility. Sp please don't give up an opportunity to get back into mainstream lending over a few percent over a few years.

The rate is higher for several reasons, including the fact that Mortgage Insurers will not accepts credit impaired for a policy, so the lender has to "self insure" and add margin to cover this cost and the "X factor" for the added risk.

The large variance is due to differing levels of :

Credit impairment of applicants,
Amount of deposit of equity in the property, [the more equity the less risk]
The quality of the property being offered as security and its location, and
Whether the applicants income is verified or not.

all of which impact on the risk the lender is asked to take,

and the features the applicants want in their loan, e.g. flexibility and lines of credit, cheque books, business accounts etc.

To apply for a CrediMate™ Loan, click here.

If the FlexiFree® range is what you have been looking for, click here now and see which Australian Mortgage Exchange FlexiFree® mortgage program suits you best.

NB, Nothing on this page or in this web constitutes an offer of finance, To apply for a mortgage please complete an application for our consideration. A letter of offer may be sent to you after all the facts have been verified.