Home Loan Approval Program

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Turn a Declined Bond Application into a Future Approval

If your home loan application was declined, you’re not alone — and you’re not out of options.

At Premier Finance, we help you prepare for homeownership by rebuilding your credit and restoring your affordability profile. Our Home Loan Approval Program is designed specifically for clients who’ve been turned down for a bond, giving them a structured path toward future home loan eligibility.

This is not a quick fix — it’s a guided program that delivers real results for those willing to commit.

Who is this for?

Our program supports two types of clients:

Client A: Over-Indebted and Struggling With Affordability

If you’re behind on payments or can’t meet current credit obligations, you may need more than just a clean credit report — you need a full financial reset.

What the process looks like:

  1. We assess your situation using your credit report.
  2. We design a consolidated monthly plan to cover all your debt and living expenses.
  3. We negotiate with your creditors to reduce payments and stop the pressure.
  4. You pay off your debt over time until:
    • Your credit score is above 630
    • Your debt-to-income ratio drops below 40%

Typical duration: 6 to 36 months, depending on the level of debt.
You’ll also receive coaching on how to build savings for your future home costs (like transfer fees and deposits).

 

Client B: Not Over-Indebted, But Credit Needs Fixing

You may earn well and manage your money — but your credit report is holding you back. This applies to clients who:

  • Have been under debt review and need it removed
  • Have judgments that need to be rescinded
  • Need to correct or update information at the credit bureau

What the process looks like:

  1. We do a full credit assessment.
  2. You receive a custom quote to fix the issues holding you back.
  3. You pay monthly while we work to clean and improve your report.

Typical duration: 8 to 12 months.
As with Client A, we also guide you on saving toward the upfront costs of buying a home.

📞 Book Your Free Assessment

Ready to Start Your Journey?

If your home loan was declined, don’t give up. Start working today toward a “yes” in the future.

📍 Complete the form below to schedule your assessment and get your personalized plan.

 

Important Program Notes

This is not a “clear your credit in 30 days” scheme. Restoring your financial profile takes time — but if you work the program, you’ll see real results.

If you’ve already been declined for a bond, that property is out of reach for now. You’ll only be able to consider new properties once you’re officially pre-approved.

Property practitioners are welcome to refer clients, but they won’t be involved in the process. Once you’re pre-approved, we’ll notify your agent.

Every client is unique. After your assessment, you’ll receive a personalised quote and timeline. Completion depends on your starting point, consistency, and cooperation.

Our approach is mediation-based and focused on full credit rehabilitation, not legal debt restructuring with a court order.