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Non Conforming Loans: Specialist Lending Solutions for applicants that don’t fit traditional lending criteria or borrowers with a bad credit history.

If you can’t get a loan because you don’t fit traditional lending criteria, you’re not alone. In Australia, we estimate that one in five people are unable to obtain credit from a traditional lender. Often this is through no fault of their own and may be due to the tightening of lending criteria, risk profile of lender, change of policy of bank or automatic decline by credit score or Mortgage Insurance.

non-conform-iconNon Conforming Home Loans

Many Borrowers have become a victim of Lenders tightening  their credit policies since the GFC to keep the cost of their funding down. A vast majority of these borrowers are more than capable of servicing a loan but for one reason or another they don’t comply with prime lender policies.

Our Mortgage Loan Specialist Brokers are uniquely qualified to assist borrowers who fall outside the traditional lending criteria.


lowdoc-iconLow Doc Home Loans

If you do not fit into the Banks format for Self Employed, then you may have already found that finding a home loan can be difficult. We have low doc home loans for both clean credit and credit impaired for Purchase, Refinance, Debt Consolidation, Cash Out, Vacant Land and Construction Loans for Residential Zoned Properties. Alternative verification of income can include either Accountant to verify, 6 months of lodged BAS statements or 3>6 months of business bank statements or a combination of any 3 to apply for a Self Employed Home Loan.


bad-credit-iconBad Credit Home Loans

Credit Impaired or bad credit home loans are available for applicants that have past or present credit impairments that allow for funding of a purchase, debt consolidation or refinance of Residential zoned property including vacant land or for construction of an owner occupied property.

These funding lines allow for refinancing to a prime loan when credit issues have dropped off from credit file.


resources-iconEx Bankruptcy or Part 9

Get back into home ownership. We have specialist lenders that can lend you up to 95% of the property value on a purchase and up to 85% on a refinance on a residential zoned property and purchase or refinance on vacant land or 80% on a construction loan from 1 day discharged bankruptcy.


residential-iconNon Standard Employment

Just because you have unusual employment it doesn’t mean that your income isn’t secure. You can get a home loan if your income is secure and through a lender that bases his assessment on non-standard income.


commercial-iconLow Doc Commercial Loans

Commercial Loans cover most commercial funding options and are available in Low Doc Loans and No Doc options, credit impaired and also lending to Rural,  Development, SMSF, Industrial & Specialised Securities.


No reduction of your unsecured debt – NO FEE… it’s that simple.

Non conforming loans offer a debt negotiation service on all home loan refinances and debt consolidation loans secured by property. Our team of experienced debt negotiators are specialists in dealing with credit providers and helping individual’s and businesses reduce and settle their debts as part of disbursement process at settlement.
We also offer this service to many industry professionals such as mortgage brokers, insolvency practitioners, accountants and financial planners to help their clients reduce and retire their debts as long as their clients can provide a property with equity as security.

CREDIT REPAIR – No Upfront Costs
No Win – NO FEE… it’s that simple.

Non conforming loans offer a no win – no fee policy on Credit Repair, so you only pay once the negative listings have successfully been removed from your credit file. The total cost depends on how many listings we have removed.

Our Prime Lenders and our Specialist Mortgage Lenders