Declined Home Loan? We Fix Their Credit & Send Them Back.
The Credit Repair Broker Program Trusted by 250+ Brokers.
Join Australia's leading credit repair mortgage broker partnership. Simply refer a client for credit repair, and our 98% success rate means they get approved, you get the commission, and everyone wins. Average 45-day turnaround for declined home loan credit repair.
Your ASIC-Licensed Credit Repair Referral Partner
See why 250+ mortgage brokers trust Elisa and her team as their go-to credit repair partner for challenging client files
How Our Credit Repair Mortgage Broker Partnership Works
A simple 3-step credit repair referral process that turns your declined home loan deals into approved loans
Refer Client for Credit Repair
Client's home loan declined due to defaults, late payments, or bad credit? Refer them to your credit repair partner with a quick referral. We handle the rest.
We Assess & Repair
Free credit assessment within 24 hours. If we can help (98% success rate), we start the repair process immediately with regular updates.
Client Returns Approved
Average 45 days later, your client's declined home loan credit repair is complete. They come back to you with a clean file, ready for approval. You get your full commission.
What Mortgage Brokers Say About Our Credit Repair Partnership
"I send ACS 3-4 declined clients per month. Within 6-8 weeks, most come back with clean credit files ready for approval. It's added $30k+ to my annual commission."
"Game changer for my business. Instead of saying 'sorry, can't help' to credit-challenged clients, I now say 'let me refer you to my credit repair partner first.' Best credit repair referral partner I've worked with."
Credit Repair Referral Partner Sign Up
Join our credit repair broker program and start referring clients today. Create your free credit repair referral partner account, track every referral in your personal dashboard — no contracts, no lock-ins, free to join.
Partner Sign Up
Create your free account — no contracts, no fees.
Got a Client With a Declined Home Loan Right Now?
Refer your client for credit repair today — call us directly or sign up as a mortgage broker credit repair partner. We can assess their situation within 24 hours.
A note on your obligations
Referring a client for credit file correction can sit comfortably within your best interests duty where the client genuinely benefits — but you remain responsible for your own obligations under the NCCP, including the duty itself and the conflicted remuneration rules, and you should confirm your position with your licensee or compliance adviser. We've written a plain-English explainer on exactly this:
→ Can a mortgage broker refer clients to credit repair? (best interests duty explained)General information, not legal or compliance advice. Brokers remain responsible for their own NCCP obligations.
Broker Partner — Frequently Asked Questions
Can I refer a client to credit repair without breaching my obligations?
A referral that genuinely benefits the client can sit within your best interests duty, but you remain responsible for the duty and the conflicted remuneration rules under the NCCP. Confirm your position with your licensee or compliance adviser. See our explainer on broker referrals and the best interests duty.
What does it cost my client?
We work on a No Win No Fee basis. Specific fees are discussed with the client at the free assessment. The broker isn't paying for the work.
How long does it take?
Reported credit file corrections are often completed in around 30–90 days, depending on the listing and the creditor's response. This is a general indication, not a promise, and it's relevant if you're working to a finance clause or pre-approval expiry.
How quickly will I know if you can help?
We assess the client's file for free, usually within 24 hours, and tell you honestly whether there are grounds to act.
What's your success rate?
We report a 98% success rate on accepted cases. We only accept cases where we believe there are grounds, and decline cases that can't succeed. Outcomes vary and are not guaranteed.
Will you poach my client?
No. Our model is built to send the client back to you for the loan once their file is corrected. We don't write loans — we correct credit files.
Are you licensed?
Yes. Australian Credit Solutions holds Australian Credit Licence ACL 532003 and is a lawyer-led firm operating under the Privacy Act 1988 and the Credit Reporting Code.
What can you actually remove?
Only entries listed in breach of the rules — defaults without a valid section 21D notice, wrong amounts, disputed debts, unauthorised enquiries, repayment-history errors, or fraud. Correctly listed entries generally remain for their retention period.
Which creditors do you cover?
All the major banks and non-bank lenders, telcos, energy retailers, BNPL providers and debt collectors. The Privacy Act grounds are the same regardless of creditor.
Do you pay brokers a referral fee?
Our model is built around the client's benefit and your ability to write the loan, rather than a payment that could influence your credit assistance. Any commercial arrangement should be structured to respect your conflicted remuneration obligations — confirm with your own compliance adviser.
How do I get started?
Register using the partner form on this page or call 0489 265 737. We can assess a client's situation within 24 hours.