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Non Conforming Loans

Go to Non Conforming Loans when Your Bank Say’s NO!

Non Conforming Loans have Non Bank Lending Solutions for Borrowers that don’t fit traditional lending criteria. We are the experts in finding ways to assist with your loan approval.

We can assist with non conforming loans for purchase, refinance, cash out, ATO debts, debt consolidation, and much more. Our lenders are happy to think ‘outside the box’ for all types of non conforming loan scenarios.

So, if you’ve been finding the Banks won’t consider your application for finance.  Non Conforming Loans may have a lending solution for You.

bad credit home loans

Bad credit home loans are available for applicants that have a past or present poor credit history.  Our bad credit home loans allow funding for a purchase, refinance and construction of residential zoned property or vacant land.

Bad Credit Home Loans are available for both PAYG Employees and for Self Employed.  Bad credit home loans are available in both Full Doc and Low Doc Options up to a maximum of 95% of property value on purchase and 90% on refinance.

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low doc home loans australia

Low Doc Home Loans are designed for these self employed Australian who do not have up to date financial statements. We have Home Loans for both clean credit and bad credit for Purchase, Refinance, Consolidation and for cash out. In addition Vacant Land and Construction Loans for Residential Zoned Properties are available at lower LVR’s.

Low doc home loans are available to 95% LVR to $3 million and with a maximum loan of $15 million for LVR’s up to 65%.

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Low Doc Home Loans Approved

Borrowers have become a victim of Lenders tightening their credit policies to keep the cost of their funding down. A vast majority of these borrowers are more than capable of servicing a loan but don’t comply with lender policies.

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

Non Conforming Loans is uniquely qualified to assist borrowers who fall outside the traditional lending criteria.

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discharged bankrupt home loans

We have home loans for discharged bankrupts or Part 9 bankruptcy applicants who have been discharged for 1 day. We can lend up to 95% of the property value on a purchase and up to 90% on a refinance.

Our funders can also lend up to 90% of the property value on a purchase or 85% on a refinance as a low doc on a residential zoned property.

We are unable to lend to current Bankrupts or Part 9 unless for annulments or paying out debt agreements.

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debt consolidation loans

A Debt Consolidation Home Loan allows you to consolidate multiple debts from various sources or institutions.  Debts such as a home loan, personal loan, credit card or other high interest loans can be consolidated.

If you are having trouble paying these multiple debts off and have late repayments or a bad credit history then it could make sense to roll all these debts together with a debt consolidation home loan with Bad Credit.

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commercial property loans

Commercial Property Loans to 80% LVR. Our Commercial Loans cover most commercial funding options and are available in Full Doc, Low Doc and Lease Doc.  Furthermore we have funding for both clean credit and credit impaired options for Commercial Zoned Property for high population locations.

In addition funding available for property purchases, refinancing, cash out, debt consolidation, working capital, paying out tax debts and business debts.

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Expat Home Loan

If you are an Australian citizen living and working overseas it is still possible to get a mortgage. You can buy an investment property in Australia with an expat home loan up to 80% LVR.

An expat is deemed to be any person that holds an Australian Citizenship earning income in foreign currency – whether living overseas or in Australia.

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Non Resident Loans

A non resident home loan in Australia refers to a type of mortgage designed for individuals who are not Australian citizens or permanent residents. Non resident home loans can be used to purchase or refinance an owner occupied or investment property up to 80% LVR.

Non residents typically include foreign investors and temporary visa holders.

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Looking to get a new motor vehicle, fleet of trucks, or the latest plant and equipment to take your business to the next level.

We can provide finance for a wide range of options for both Commercial and Consumer Asset Purchases.

Finance available in either Full Doc, Low Doc with both Clean Credit and Bad Credit options.

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Hear what some of our clients have to say about Non Conforming Loans

Latest Articles on Non Conforming Loans

1501, 2024

Low Doc Home Loans are still Available for the Self Employed Australian:

January 15th, 2024|Categories: Low Doc Home Loans|Comments Off on Low Doc Home Loans are still Available for the Self Employed Australian:

Low Doc Home Loans - Your Guide. If you’re a Self Employed Australian and someone who does not qualify for traditional mortgage finance solution, it’s worth considering low doc home loans that require less documentation at the time of application. The application for these low doc loans do not require you to produce documentation such as Tax Returns to [...]

1001, 2024

Reasons Your Home Loan May Be Declined: Uncommon Pitfalls to Avoid

January 10th, 2024|Categories: Near Prime Home Loans|Comments Off on Reasons Your Home Loan May Be Declined: Uncommon Pitfalls to Avoid

Why has My Home Loan been declined? Navigating the path to home ownership can be as complex as it is exciting. While most prospective buyers are aware of the common reasons a mortgage application might be declined – such as a low credit score or insufficient income – there are lesser-known pitfalls that can also derail your home-buying journey. [...]

1001, 2024

Can I Refinance a Home Loan with Bad Credit? Understanding Your Options

January 10th, 2024|Categories: Bad Credit Home Loans|Comments Off on Can I Refinance a Home Loan with Bad Credit? Understanding Your Options

For many homeowners, refinancing can offer a path to better interest rates, lower monthly payments, or a shorter loan term. However, if you have a default or judgement on your credit report, you might be wondering if refinancing is even a possibility. The good news is that while challenges exist, there are steps you can take to improve your chances [...]

901, 2024

Bad Credit Home Loans for Purchasing and for Debt Consolidation

January 9th, 2024|Categories: Bad Credit Home Loans|Comments Off on Bad Credit Home Loans for Purchasing and for Debt Consolidation

When applying for a home loan, your credit history is one of the most important parameters that lenders take into serious consideration. Low credit score or a bad credit history dotted with paid or unpaid defaults and other financial troubles can often make it difficult for you to qualify for a traditional home loan. Borrowers with Bad Credit can still [...]

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