ATO Tax Debt Refinance
Direct Credit are experts at helping small business operators, accountants and individuals solve challenging ATO tax debt situations.
ATO Tax Debt Refinance Made Easy!
Most banks will not approve loans to help you refinance your ATO tax debt. We can help you refinance your tax debt to put you back on the front foot, back in control.
Talk to Direct Credit about refinancing your home or commercial loan to; consolidate tax and business debts, provide cash flow or create funds to expand your business.
Here’s why Direct Credit are your ATO tax debt specialists
- We don’t use Credit Scoring. Real people make the decisions about your loan so we say YES more often
- We are not mortgage brokers. We are mortgage managers providing loans direct to consumers.
- Fewer overheads mean lower interest rates and lower fees.
- Our loans are not Mortgage Insured (We self-insure)
- We offer Loan to Value Ratio’s (LVR) up to 85% for refinance.
- Alt doc option available with accountant’s declaration or last 2 ATO Lodged BAS statements. Click here for Alt Doc product information.
- Full doc loan options available.
- Residential or Commercial security required (Metro Locations)
- We offer refinance for most personal or business purposes
- Credit issues catered for!
- Local Non-Bank Lender – Speak directly with the decision makers.
Why you need to act fast
The Australian Tax Office now has the power to list a credit default for an overdue tax debt not under a suitable arrangement, with Equifax, illion and Experian credit reporting agencies. This can impact your credit rating up to 5 years. Not only that, the ATO can issue company directors with a “Directors Penalty Notice” which effectivly makes the director/s personally liable.
Please contact our office, sooner rather than later, to avoid possible credit rating defaults
Refinance & Payout your Tax debt today!
Refinance Options Include Low Doc & Full Doc Loans
It is important you contact us quickly!
Direct Credit can assist you with your ATO Tax det refinance Today!
It’s likely a few minutes of good advice over the phone will brighten your day. Call our office now on 07 3726 1124 for fast advice on accessing the finance you need, or just complete the contact us form and one of our friendly team will be in touch.
Contact Us For Help – Consultation Is Free
We have been dealing with Direct Credit for the past 5 years and they have been amazing. Puawai the whole team at Direct Credit have always gone above and beyond to help us and think of the best financial solutions for our family. Always achieving the best results!Tammy communicated consistently and I always knew where the process was at.Thank you to the whole team at Direct Credit, you have been the amazing! We are extremely grateful and thankful for all your help these last few years.We have and will continue to recommend your services to everyone.
The most helpful and polite guys to do business with and don’t mess around to get things done 👍👍👍👍
I have been dealing with Direct Credit for the last 5 years this being my 2nd mortgage through them. The staff have always been exemplary in their professionalism but also treat you like they would family which is how I am privileged to feel. I have had the pleasure of having Puawai Herewini as my bank manager along with Katie and Tammy the client services manager and team. This last loan was a separation settlement and I honestly don't know what I would've done without them. With all of the previous stresses of the last couple of years and work changes I left everything thing quite late and the team just batted together and made it happen in such a short time frame, I am so very grateful.The support often on a daily basis I have received is well above their designated job descriptions as I said feel like part if the Direct Credit family everyone has been absolutely fantastic always going above and beyond helping me through this long drawn out situation. Again I can't thank you all enough!!! Derek you have the dream team working for you, they have yet again smashed it out of the ball park. So very relieved to have settled today and will definitely as I already do be recommending your companies services to everyone. Thank you all so very much again.
Without any doubt these guys are the Home Loan 'A TEAM'. I had a really bad experience with Mortgage Choice which resulted in my finance falling over at the last stage due to the broker I was using.My brother put me onto Direct Credit and the team of Derek, Puawai, Tammy & Katie, they went above and beyond to secure me finance approval to build my new home.Thankyou all sooooo much 🙏
We couldn’t have asked for a better experience as first home buyers. Derek, Tammy & Katie were very knowledgeable & involved us in the entire process. We would definitely work with them again.
The team at direct credit have been great!!! Such a stream line process and give the best options possible. Always transparent and give up to date info asap! Derek has been in the industry for a many years and it shows. Any Hick ups or troubles,,,, no stress he has it covered!Thank you direct credit
Heather and Tammy were excellent at Direct credit, they handled a complex multi-loan multi-bank refinance professionally and efficiently, achieving a great outcome for us.
A pleasure doing business with the team at Direct CreditMasters in guidance through what can be a minefield of qualification
Awesome - Puawai, Tammy, Heather and Derek. So patient and understanding. They go above and beyond!
Excellent service, great communication and always available to answer any questions. Very happy with our experience
The team at Direct Credit were so helpful, friendly and efficient. They helped to select the best personal option. Information was readily available all the way along. No question was too big or small! My partner and I dealt mostly with Tammy and Kate, they were both amazing. I definitely recommend Direct Credit, especially if you are a first home buyer. Thank you so much!
Derek and Tammy from DCHLA were extremely helpful and ensured the whole home loan process was as simple as possible with great communication and a caring approach.Couldn't recommend them highly enough!
We found ourselves in a difficult situation and the team from Direct Credit Home Loans found us an avenue which has allowed us to move forward. Puawai did his absolute best working with us and our accountant; the follow up from Tammy and Katie was awesome. This is our second loan with Direct Credit Home Loans and I'm sure it won't be the last. Thank you so much guys.
These guys are absolutely amazing! I would almost pay higher interest rates to be with these guys, almost! Fortunately, though, they are able to achieve the best outcomes for their clients. They work so hard to do this. I am so impressed!The personal service not only through the loan process, but with ongoing support, is second to none. Would be very disappointed with anyone else after being so well looked after by these guys 🙂
We have been dealing with Direct Credit for the past 5 years and they have been amazing. Puawai the whole team at Direct Credit have always gone above and beyond to help us and think of the best financial solutions for our family. Always achieving the best results!Tammy communicated consistently and I always knew where the process was at.Thank you to the whole team at Direct Credit, you have been the amazing! We are extremely grateful and thankful for all your help these last few years.We have and will continue to recommend your services to everyone.
The most helpful and polite guys to do business with and don’t mess around to get things done 👍👍👍👍
I have been dealing with Direct Credit for the last 5 years this being my 2nd mortgage through them. The staff have always been exemplary in their professionalism but also treat you like they would family which is how I am privileged to feel. I have had the pleasure of having Puawai Herewini as my bank manager along with Katie and Tammy the client services manager and team. This last loan was a separation settlement and I honestly don't know what I would've done without them. With all of the previous stresses of the last couple of years and work changes I left everything thing quite late and the team just batted together and made it happen in such a short time frame, I am so very grateful.The support often on a daily basis I have received is well above their designated job descriptions as I said feel like part if the Direct Credit family everyone has been absolutely fantastic always going above and beyond helping me through this long drawn out situation. Again I can't thank you all enough!!! Derek you have the dream team working for you, they have yet again smashed it out of the ball park. So very relieved to have settled today and will definitely as I already do be recommending your companies services to everyone. Thank you all so very much again.
Without any doubt these guys are the Home Loan 'A TEAM'. I had a really bad experience with Mortgage Choice which resulted in my finance falling over at the last stage due to the broker I was using.My brother put me onto Direct Credit and the team of Derek, Puawai, Tammy & Katie, they went above and beyond to secure me finance approval to build my new home.Thankyou all sooooo much 🙏
We couldn’t have asked for a better experience as first home buyers. Derek, Tammy & Katie were very knowledgeable & involved us in the entire process. We would definitely work with them again.
The team at direct credit have been great!!! Such a stream line process and give the best options possible. Always transparent and give up to date info asap! Derek has been in the industry for a many years and it shows. Any Hick ups or troubles,,,, no stress he has it covered!Thank you direct credit
Heather and Tammy were excellent at Direct credit, they handled a complex multi-loan multi-bank refinance professionally and efficiently, achieving a great outcome for us.
A pleasure doing business with the team at Direct CreditMasters in guidance through what can be a minefield of qualification
Awesome - Puawai, Tammy, Heather and Derek. So patient and understanding. They go above and beyond!
Excellent service, great communication and always available to answer any questions. Very happy with our experience
The team at Direct Credit were so helpful, friendly and efficient. They helped to select the best personal option. Information was readily available all the way along. No question was too big or small! My partner and I dealt mostly with Tammy and Kate, they were both amazing. I definitely recommend Direct Credit, especially if you are a first home buyer. Thank you so much!
Derek and Tammy from DCHLA were extremely helpful and ensured the whole home loan process was as simple as possible with great communication and a caring approach.Couldn't recommend them highly enough!
We found ourselves in a difficult situation and the team from Direct Credit Home Loans found us an avenue which has allowed us to move forward. Puawai did his absolute best working with us and our accountant; the follow up from Tammy and Katie was awesome. This is our second loan with Direct Credit Home Loans and I'm sure it won't be the last. Thank you so much guys.
These guys are absolutely amazing! I would almost pay higher interest rates to be with these guys, almost! Fortunately, though, they are able to achieve the best outcomes for their clients. They work so hard to do this. I am so impressed!The personal service not only through the loan process, but with ongoing support, is second to none. Would be very disappointed with anyone else after being so well looked after by these guys 🙂
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Loans for Tax Debt
Can You Use a Home Loan for Tax Debt? Answering Your Questions
Did you know that you can refinance your home loan to payout tax debts that you may owe to the ATO? It’s true—but most of the traditional banks and lenders that you approach will fail to provide you with options for funding such purposes. At Direct Credit Home Loans Australia, we believe you deserve access to the opportunity to put your finances back in order rather than struggling under a tax burden that can make moving forward far more difficult.
The Benefits of a Tax Debt Consolidation Loan
Consolidating your tax debt and transferring the financial obligation into monthly loan repayments has numerous benefits that make this option well worth your consideration. The advantages include the following.
- Escape from being underwater on tax debt and give yourself the opportunity to start on fresh footing. With the weight of a large tax burden removed, you can focus on structured repayments within your financial means.
- Avoid negative impacts on your credit history from outstanding tax debts. Outstanding taxes left unpaid for too long can now count as a “default,” and will result in a blemish on your credit report.
- Start the process of planning for future tax obligations or re-focus your efforts on improving the business you operate. With less concern about taxes today, you can turn your attention to tomorrow instead and use smart financial planning to avoid a recurrence of this situation.
What Options Do We Provide for Tax Debt Loans?
So how can DCHLA assist you in this area? Our loans for paying off tax debts are versatile enough to meet a wide variety of needs. As your non-bank lender, we provide:
- Loans which are not mortgage insured; in the case of tax loans, we self-insure to provide our clients with more straightforward access to the funds they require to return to stronger financial ground.
- Full and alternate documentation options available based on your circumstances. For low doc loans, we require only your previous two Business Activity Statements or a Statement of Affordability from your certified accountant.
- LVRs up to 85%, ensuring that you can tap into a loan that provides you with the appropriate level of funding to meet your backlogged tax burden through consolidation.
When the ATO and its demands for payment constantly hover in the back of your mind, DCHLA is here to help you clear your conscience. When you know that you have unpaid taxes due, take advantage of our services sooner rather than later.
Why Act Quickly to Seek Loans for Tax Debt?
After recent legislative changes, the ATO gained the ability to file notices of default with Australia’s credit rating agencies, including both Equifax, Illion and Experian. Unpaid tax debts can now result in a default on your record, negatively impacting your credit rating and further restricting your options in traditional financial spaces.
To explore your options without delay, arrange for a conversation with our friendly team today.
Steps to your ATO Tax Debt Refinance
1. Am I eligible for a loan?
If you are a PAYG earner or self-employed, have a tax debt and equity in existing property – you may qualify.
2. Know your loan capacity
See how much you can borrow using our simple borrowing power calculator, or call one of our friendly team to get a detailed borrowing capacity over the phone today.
3. Book a consultation or apply online
Call us on Freecall 1800 000 800 for a no obligation chat or, if you’re ready to apply get started now.
