All lenders will consider your individual situation. They will look at Income, Location of property, Employment, Credit history & Residency. As you will be looking to borrow 95% lvr your application you will be assessed not only by the lender but also by the Mortgage Insurer. If you have had marks on your credit file, the Mortgage Insurer will want a full explanation of those issues.
Aussie has access to 18 panel lenders with a range of products, an expert Aussie broker would be able to look through all those loans and help you find a loan that is suitable for you as part of your free appointment.