Mortgage Calculators

All success stories

Credit challenges — client stories

Anonymised client stories from Guaranti Group under credit challenges — what the family faced, what we did, and how it turned out.

3 stories

$200–300K in card debt and a spouse off work — restructuring the household income, a $1.25M refinance completedThe team restructured the borrowing, and a $1.25 million refinance was approved — clearing the card balances in one move.Read the story Declined by the major banks over a low credit score — a year of rebuilding, then a transfer at a stronger rateAfter a year of steady payments and a rebuilt credit profile, the mortgage moved to a major bank at a more competitive rate.Read the story $70K income, a thin credit file, and a lender asking for a co-signer — rental income and an exception approval, $450K fundedThe team submitted to several lenders and secured $450,000, and the client completed the purchase of his first property.Read the story

Other topics

Pre-construction6 Bridge financing4 Cross-border3 Refinancing3 Self-employed3 First home1 Newcomers1 Retirement1

Cases are anonymized and drawn from real client situations.

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