John was a small business owner with a goal many Australians share — to buy his first home. But despite his determination, the path wasn’t easy.
After applying with three major banks, he faced rejection after rejection. His low credit score and inconsistent income as a self-employed borrower flagged him as too risky. After the third knockback, John was ready to give up.
That’s when he contacted SW Global Finance.
What We Did Differently
We didn’t stop at his credit file. Instead, we took the time to review John’s full financial picture — business performance, debt position, income trends, and his goals.
We worked with specialist lenders who understand the realities of self-employment and take a more flexible approach to assessing credit history.
We also helped John restructure some of his existing debts, improving his financial position and strengthening his application.
We packaged his case properly — with supporting documentation, the right lender, and a clear explanation of his situation.
The Outcome
John was approved.
He secured a home loan with a fair interest rate from a lender who looked beyond the numbers. Today, he’s living in his new home in western Sydney — and building the life he nearly gave up on.
The Takeaway
Just because a few banks say no doesn’t mean you’re out of options. Lenders have different policies, different risk tolerances, and different ways of viewing your situation.
What you need is a broker who knows where to look, how to present your case, and who won’t stop at the first obstacle.
Your Comeback Story Starts Here
If you’ve been declined — or told your situation is too difficult — we can help.
Call/WhatsApp: +84 96 275 92 07
Email: support@sw-globalfinance.com.au
Let’s find the lender that works for you — not just the one that says “no” first.