Non Conforming Loans

Specialist Lending Solutions for borrowers that don’t fit traditional lending criteria.

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. Other reasons may be because of bad credit or for the self employed  Australian who can not prove their income through traditional means

So, if you’ve been finding the Banks won’t consider your application for finance – it  doesn’t mean you’re out of options.


Call 1300 791 329 for a FREE consultation with a Specialist Lender.

Let’s talk now as we may have a lending solution for you!

Property Secured Non Conforming Loans

Non-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 Funding Lines will lend to a loan value of 95% on a purchase and 90% on a refinance.

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


Low-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 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.

Our Funding Lines will lend to 90% of property value on a purchase and 85% on a refinance.


Bad Credit Home Loans

Bad credit home loans are available for applicants that have past or present credit impairments allowing  funding of a purchase, debt consolidation or refinance of Residential zoned property.

Defaults or judgement’s can be paid or unpaid with arrears on credit contracts or late payments acceptable to our funding lines.

Bad Credit Home Loans allow for refinancing to a prime loan when credit issues have dropped off from credit file.

Our Funding Lines will lend to a maximum of 95% of property value on a purchase and 90% on a refinance. For Vacant Land and Construction to 70% LVR (major population areas only)


Ex Bankruptcy or Part 9 or 10

Get back into home ownership. We have specialist lenders that can lend to applicants that can verify their income up to 95% of the property value on a purchase and up to 90% on a refinance and up to 85% of the property value on a purchase or 80% on a refinance as a low doc on a residential zoned property from 1 day discharged bankruptcy as long as no further credit infringements.

We are unable to finance current Bankrupts or Part 9 or 10 unless it is for annulments of bankruptcy or paying out debt agreements.


Debt Consolidation Home Loans

If you have multiple debts from various sources or institutions such as a home loan, personal loan, credit card or other high interest loans, and you are having trouble paying these off, then it could make sense to roll these debts together with your home loan.

Our team of debt negotiators are specialists in dealing with credit providers and helping individual’s and businesses reduce the debts owed.

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


Commercial Property Loans

Commercial Loans cover most commercial funding options and are available in Full Doc, Low Doc and Lease Doc options for both clean credit and credit impaired options. Maximum Lending to 75% LVR on both purchases and refinance of standard Commercial Property and to 70% LVR on Lease Doc Loans.

Funding for property purchases, refinancing of existing loan, equity release for property improvement, investment, cash out, working capital, paying out tax debts and business debts.


Secured Business Loans


Facility is a line of credit that can be secured by either 1st or 2nd mortgage that is secured on prime securities such as residential or commercial real estate unencumbered luxury goods such as against your luxury and classic cars, boats, jewellery or art etc.


A Company or a Trust can apply for a No Doc Loan for Commercial Purposes. This type of loan is known as an asset lend because the lender is primarily relying on the value of the asset as repayments for the term are capitalised up to the maximum LVR.


Caveat lending and fast bridging finance up to $1 million with funds available within 24 hours. Fast and Easy online Application – Receive a decision within 5 minutes of application.

SMSF Property Loans

Superfunds, including self managed superfunds, are now able to borrow money to directly purchase real estate in order to further the investment portfolio of the fund.

The SMSF loan is suitable for the purchase of a single residential investment property or to refinance an existing SMSF residential investment property loan to 75% LVR (60% LVR for off the plan & inner city apartments)

Other types of properties including but not limited to commercial, offices, retail shops and light industrial to 70% LVR.

Rural/Residential investment properties up to 70% LVR


Non Property Secured Non Conforming Loans


Bad Credit Personal Loans

MORE INFOWe understand that everybody is different, so we tailor our interest rates to individually match our borrower’s financial situation.

To qualify for a Bad Credit Personal Loan your credit score must be above 300 points.

  • Amounts from $5,000 to $60,000
  • Must have a credit score above 300 points
  • Paid defaults listed over 12 months accepted
  • Unpaid defaults must be listed over 12 months and only non-financial defaults accepted
  • No monthly fees
  • Make extra repayments or pay out entire loan early without penalty
  • Funds can be used for any worthwhile purpose

Bad Credit Car Loans

MORE INFOIf you do have poor credit, Non Conforming Loans can help you understand your credit history and the options available to finance a Car.

  • Amounts from $5,000 to $45,000 (maximum loan and rate quoted are dependent on credit worthiness)
  • Unpaid or Paid defaults listed over 12 months accepted
  • Discharged Bankrupts or Part 9 or 10 accepted
  • Unpaid vehicle finance defaults and court judgements over 24 months accepted
  • Online quote takes just ten minutes
  • New or Second Hand Cars

Low Doc Car Loans

MORE INFOIf you are Self Employed and do not have your financials up to date this loan is available in both clean credit and bad credit options for the purchase of Passenger and Light Commercials, Small to Medium Trucks, Specialised Heavy Commercial vehicles, Buses, Backhoes, Excavators, Forklifts, Trailers and other mobile Plant and Machinery Equipment.

No deposit required if you have equity in real estate or a 30% Deposit applies (either through a trade-in or via cash) – Business ABN registered for at least 2 years

  • Amounts from $10,000 to $150,000 for clean credit
  • Amounts from $10,000 to $75,000 for bad credit option
  • Unpaid or defaults accepted if listed over 2 years up to $3,000 between 2 > 5 years for defaults or judgements to $7,000 on bad credit option
  • Discharged Bankrupts or Part 9 or 10 (6 mths discharged) on bad credit option
  • ABN holders only and GST registered if income is over the thresh hold
  • Online application takes just ten minutes
  • New or Second Hand Assets

Unsecured Business Loans

APPLY NOW!Apply for an unsecured small business loan in minutes, without painful paperwork or waiting in queues. Apply online now and receive a decision in hours and start growing your business.

  • Amounts from $3,000 to $100,000 for non property owners and up to $300,000 for property owners.
  • Terms from 3 > 24 months
  • Cash-flow friendly repayments
  • Fast decision and funding usually same business day
  • Online application takes just ten minutes
  • 90% of Customers receiving their funds within 24 hours.

We specialise in Non Conforming Lending, so call us for a FREE consultation with no obligation on your part.