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
- Our loans are not Mortgage Insured (We self-insure)
- We offer Loan to Value Ratio’s (LVR) up to 80% for refinance.
- Alt doc option available with accountant’s declaration or last 2 ATO Lodged BAS statements. Click here for Alt Doc product information.
- One Years Tax Returns OK!
- Full doc loan options available.
- Residential or Commercial security required (Metro Locations)
- We offer refinance for personal or business purposes
- Credit issues catered for!
- Fewer overheads mean lower interest rates and lower fees.
- 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 for up to 5 years. Additionally, the ATO can issue company directors with a “Directors Penalty Notice,” which effectively 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!
Take control of your financial journey with Direct Credit! Give us a call to chat about your ATO tax debt refinancing options today.
A friendly phone conversation could lead you to great financial solutions. Reach out to us on 07 3726 1124 for expert advice on securing the financing you need, or just fill out our contact form to connect with our caring team. Our Loans are secured by Residential or Commercial real estate.
Contact Us For Help – Consultation Is Free
Thank you.
I have now had the opportunity to utilise the services of Direct Credit on a personal level and I am so appreciative of the patience and diligence given to finding the best option to furnish our home loan no matter how many times I changed the goal posts. Thank you so much in particular to Derek and Tam for my personal transaction but to all the Direct Credit Team on a professional level.
Thanks Derek, A++++!!!
Thank you so much Derek and Tammy, you are 5 star people.
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 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.
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 🙏
Thank you direct credit
Masters in guidance through what can be a minefield of qualification
Couldn't recommend them highly enough!
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 pay off tax debts you may owe to the ATO? It’s true—but most traditional banks and lenders 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 opportunities that can help you regain control of your finances instead of struggling with a tax burden that can hinder your progress.
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.
- Get out from under tax debt and give yourself a fresh start. With the stress of a large tax bill gone, you can focus on manageable repayments that fit your budget.
- 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.
Contact Us For Help – Consultation Is Free
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 80%, 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 A Loan for ATO 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.
Reduce your ATO debt while you refinance.
Tax Assure are Australia’s leading tax debt negotiators. They work directly with the ATO to put a payment plan in place, which stops further ATO recovery action while your finance is being arranged. From there, they negotiate to reduce interest charges and penalties and bring your overall debt down. This works in tandem with your refinancing strategy. Initial consults are obligation free. Call 1300 952 295 | taxassure.com.au
Frequently Asked Questions
Q: Does Direct Credit Home Loans Australia need property security to payout an ATO Tax debt?
A: Yes, we will require Residential or Commercial Security to access your equity to payout your ATO Tax Debt.
Q: If I am self employed, What income documents do I need to refinance Ato Tax Debt?
A: Direct Credit Home Loans has a Low doc loan available requiring only an accountant declaration or two recent BAS to demonstrate income. A Full doc loan is also available, and one year of tax returns are acceptable.
Q: Can I refinance ATO Tax Debt if a bank said no?
A: Yes. We allow ATO tax debt refinance when standard banks will not.
Q: Why should I act quickly to refinance my ATO Tax Debt?
A: Overdue ATO debt can be listed with credit bureaus. Directors can face personal liability. ATO interest compounds and is no longer tax deductible from 1 July 2025.
Q: Can I use a home loan to payout tax debt?
A: Yes, we can refinance your home loan to payout tax debts that you may owe to the ATO.
Q:Can I use my commercial property as security for an ATO Tax Debt Refinance?
A: Yes we can refinance your commercial property and provide funds to payout ATO Tax Debt
Most of the banks and lenders that you approach will fail to provide you with options for funding such purposes. 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.
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.