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specialised lending in Victoria

Not having much luck securing a personal loan or home loan? Whether it’s because you failed the credit score test, have a poor credit history, or can’t provide the required documents, it can be an incredibly frustrating situation – especially when you know you can repay it.

As a speciality Victoria lender, we do and see things differently from the big banks. We look at your overall position to assess your eligibility for a loan. If you’re capable of making repayments, we’ll consider you – even if you’re recently self-employed or have irregular income.

Our focus isn’t on getting the best commission for ourselves; it’s about finding you the best loan available for your situation that we’re both confident you can pay off each month stress-free. As a broker, we can make enquiries on your behalf without impacting your credit file.


The specialised lending process in Melbourne

Assessing Your Situation

When you engage us as your specialist lender, we’ll take a good look at your finances and circumstances. Unlike many traditional lenders, our approach is big picture, plus we have flexible criteria.

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Solution Recommendation

If we believe you’re capable of paying off a loan, we’ll customise a lending solution for you. This could be as simple as approaching lenders to select the best personal loan or home loan available.

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Sign-off And Payout

If you’re happy with the solution, we prepare all of the paperwork, run through the fine print with you and get you to sign. Once the creditor is satisfied all conditions can be met, your funds will be paid out.

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Try Our Personal Loan Calculator

Our personal loan calculator can help you understand what your monthly, fortnightly or weekly personal loan repayments could be. Simply enter the amount, loan term, interest rate, repayment frequency and type.

My Loan Details
Extra Repayments

Repayment settings have limited the savings options available. An Interest only repayment type usually does not allow any extra repayments to be made.


Enter the amount you would like to borrow.

Loan Term

How many years do you want to take to repay the loan?

Interest Rate

You can increase or decrease the interest rate to understand the affect on your repayments and total interest.

Repayment Frequency

Repayment Type

Extra Repayment Amount

Enter the extra amount you plan to make for every repayment

Repayment Frequency

Offset Account Amount

Enter the amount in the account you wish to use to offset your interest payments.

Lump Sum Amount

Enter the lump sum about you plan to make against the loan.

Lump Sum Year

Enter the year you plan to make the lump sum payment.
  Interest saved  
  Time saved  

Regular Repayment

  / at    pa

Total Interest Payable


Calculator Disclaimer

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan or product. Results are based on information you have provided and does not take into account your personal circumstances. Using this calculator does not guarantee you will be eligible for a loan. You will need to satisfy your lender’s lending criteria. This calculator is not intended to be your sole source of information when making a financial decision. It is advised that you consult a professional financial advisor before taking out a loan.

Success Story

Carpenter Nick divorced four years ago and had taken over all of the primary debts. He had also taken out $17,000 in debt to pay legal fees.

As a result, Nick had entered into a Part 9 debt agreement with his creditors around the time of the divorce to cope with his financial situation and the stress it was causing him. He was discharged from the arrangement the following year as agreed in the terms.

He now wanted to buy a new home. However, he was unable to find a lender due to his background and being self-employed.

Our Solution

Nick was frustrated by his situation. He knew he was now in a good financial position to afford a home loan, and although his income was irregular, his earnings were sufficient each month. We spent some time looking at his situation to decide if we could help.

His income declaration, six months of provided bank statements, and a review of his debt background showed he met our criteria. From here, we approached our panel of lenders to find a suitable home loan.

Positive Outcome

A Loan Was Secured

We managed to secure Nick a 30-year home loan at a low-interest rate.

Frustration Turned To Relief

Nick was relieved he could finance his new home and avoid the traps of loan sharks.

More Time For Business

With his home loan sorted, he could focus his efforts on growing his business.

You're In Safe Hands

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At Revive Financial, we care about the stress and impact being in debt has on your wellbeing. We want to help you take back control with no judgement, just a helping hand.

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Financial Professionals

Revive Financial is proudly Australian owned and lead by a team of Chartered Accountants. Our qualified team have been helping Australians become debt free since 2005.

Tailored Solutions

Industry Leaders

Our dedicated team have been trusted by over 10,000 Australians to help take back control of their financial futures. It's what we do best so you can rest assured.

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Download Our eBook

Learn how to turn negative to positive today with a FREE ebook produced by our team of finance professionals, just for you. This helpful guide outlays all of the debt management options available and will assist you in understanding how you can take back control of your financial future.

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Frequently Asked Questions

How much can I borrow through Revive Financial?

We can help with loans from $5,000 to over $1 million.

Our personal loans are generally from $5,000 to $50,000.

Our home loans are generally from $100,000 to well over $1 million. Also, we can refinance any existing loan you may have and usually achieve better interest rates and repayments on your new home loan.

How does a Mortgage Refinance Work?

We’ll take a look at your overall financial standing including your income, unsecured debt amount, credit history and your current mortgage. We will then assess the appropriate affordable amount you can borrow to repay your existing debts and mortgage.

If necessary, we will also look to negotiate with your creditors on any unsecured debts to fit within your borrowing capacity.

These reduced debts together with your existing mortgage are then included in your new loan and paid out at settlement. This then leaves you with one, easy-to-manage loan with more affordable repayments.

How do you assess my application?

We look at your overall financial position. If there is something standing in the way of a successful loan application, we take the time to help you fix it. For instance – if you have too much unsecured debt, we will negotiate with your creditors to reduce the amount of debt you owe.

What if I have already been declined by a lender?

If you have been knocked back by a major lender, credit union or other financial institution, we could still assist you. We have access to a range of financial services and products which allows us to offer lending alternatives that other lenders can’t.

We also have solutions for those with impaired credit files.

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How Can We Assist You Today?

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