If you are suffering from bad credit in any form, you probably want to do everything you can to clean things up so you can enjoy the world of good credit again. After all, in the media and from talks with the majority of mortgage brokers and big lenders, chances are you’ve been told that bad credit won’t get you anywhere – ever. The great news is that’s rubbish! Working in the bad credit mortgage industry, I personally know that people with bad credit are securing mortgages – good ones with reasonable interest rates – every day. You can too, and when you do, it’s important to decide immediately that this bad credit loan will be your last – ever!

This Bad Credit Loan will be the Last! It might sound depressing saying that something will be the very last ever, however when it comes to bad credit loans, I’m pretty sure you’ll agree with me that it’s a good thing to decide that it will be your last. That’s because once you secure your bad credit loan, you will be well on your way to cleaning up your financial house to make sure you achieve good credit and a financially secure situation again – or perhaps for the very first time! After saying this, perhaps you are saying, “Yeah Julian, all very well and good for a money expert like you to say, ‘make this bad credit loan your last’, but I have a history of bad credit and poor money decisions”? My response to that is, “So what!” Even with the strongest history of poor money management, bad credit mortgage experts worth their salt can work with you to change your bad money habits and turn them into good ones that will result in lasting financial security. Hold me to that, because now I’m going to show you how!

How to make this Bad Credit Loan Your Last one Ever! Sure, I’ve made a pretty amazing statement in the previous section, and now I’m going to show you how you can ensure this bad credit loan is the very last one you’ll ever have because it’s going to be the last one you’ll ever need!

It’s quite easy and straightforward to achieve this, so here goes:

• Find a bad credit mortgage expert who knows what they are doing: It is critical that you choose to work with a reputable bad credit mortgage expert! Good specialists in bad credit mortgages will secure competitive mortgages for people with all sorts of financial problems. Sounds drastic right? It gets better! These experts don’t just secure their clients a good home loan though. They also make sure their clients are prepared to succeed both now and into the future. • Good money management: If you are dealing with a credible bad credit mortgage expert, and you aren’t mortgage ready when you walk through their doors for the first time, they work with you to get you ready. It’s all about good money management, and no, it’s not rocket science. It is discipline though. You make the decision to turn from your bad credit ways and you stick to that decision. Then you go to a bad credit mortgage specialist for your credit redemption! Sounds pretty dramatic, however it’s true. Bad credit isn’t the end, because every day bad credit clients prepare for a better financial future and secure home loans – even people with personal bankruptcy! The reality is that for every financial problem, there is always a solution. That solution is good money management. Reputable bad credit mortgage experts teach every client they work with, how to regain control of their finances, and for some it may be the very first time they have that control. These specialists teach their clients how to keep control as well, which prepares the client for a successful financial future. Once a bad credit mortgage specialist secures a home loan for their client, they will also walk away with a plan to follow that will ensure they will find a life of good credit at the end of the rainbow. • Get a bookkeeper: A bookkeeper will really help you to keep on top of your financial situation, so find a good one and hire them! At least this way you will be up-to-date with everything and know what money is coming in and what money is going out. • Stick to your cash flow plan: You are paying a certain amount off your mortgage each month according to your budget. You must stick to your budget. One way to ensure you never go beyond your budget is to donate what you deem to be a significant amount of money, to a cause you do not support. For instance, if you have a fear of birds, donate money to a bird society. Do this even if you go over budget by just a few dollars. It will keep you disciplined. • Stay Motivated: Think about what you want to do once you are financially stable and secure. Pin photographs of your dream home, car or holiday destination on your corkboard, so you can see it as you work. Set goals and remind yourself of them. Try reading rags to riches stories as well, because they will definitely inspire you. All of these things will help you stay on track.

How to Get Your Last Bad Credit Loan Ever! Forget the banks, because they won’t touch anybody with bad credit! Find an experienced bad credit mortgage broker who will work with you so you’ll get a great home loan to suit your needs, and the guidance you need to ensure your financial future is bright. Say goodbye to bad credit once and for all!

Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing in the field of bad credit mortgages and financial coaching, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian@designermortgagesolutions.com.au or by telephone on 03 9556 5431. Further information is also available at www.designermortgagesolutions.com.au .